Worst insurance ever. I wish I knew how horrible they are before I wasted my time and energy on their horrible service, including the worst customer service imaginable. They said my puppy had pre-existing conditions she never had--they never even requested her medical records. Then they made me submit them, and request an exclusion review. After the review they STILL said she had those conditions. Even my vet was dumbstruck. How they sleep at night is beyond me. I laughed about it with my new pet insurance company, which is awesome. Haven't had a single problem with them, but VPI was nothing but a rip off from the start. They take advantage of people and it just isn't right.