Getting back something is better than nothing.

Even though there are deductibles and percentages taken out of the actual cost of the vet, my policy has paid for itself, since I've had it. In the past I was out the entire costs for my loved animals. I don't have kids, so I will spare no expense for my animals. At least now I get a portion back. It is better than nothing. I haven't really had a problem with VIP, because they are always nice on the phone to me and I read my policy throroughly before I submit a claim. My boyfriend and I both researched several insurance companies. I do a combination of a base care plan with my regular vet and VIP for emergencies. It works the best for us, but I think the real solution is to make vetrinarian care tax deductable. Then maybe people wouldn't abuse and negelect animals so much.