While VPI covered all of the visits for my puppy check up, they denied something that was covered and said it was hereditary. All the doctors disagreed yet VPI just didn't want to pay me the $312 owed to me. My dog was having a hard time swallowing, thats not hereditary. Had I'd known it was going to be covered for the xrays I would've never gone through with it. I even called before hand.