I have never had any problems with VPI. All my claims have been reimbursed in a timely manner. Now granted, in reading the policy, if something major occurs, reimbursement may not be that well. As far as cancer, I believe you need to add coverage to cover that type of illness. Overall, I have had good service from this company and no complaints. It's just like our insurance - does not pay 100%, but that is life. Overall, I am satisfied.