I have used VPI for over 5 years. I've never had an issue being reimbursed or with the premium amount. As long as you turn in your paperwork and have sponsorship from your vet, its really fairly simply. Three years in a row, our Siberian Husky ate a rock and had to have it surgically removed (Yes we removed ALL the rocks from the yard, but he just keeps finding them....)All three years we were reimbursed for the surgery as well as the Emergency overnight stays with zero questions asked. They key, in my opinion is a good vet who documents everything and helps you with your paperwork.
Age of Pet