I just started with VPI last year for a new GSD pup. He got into a scrape with a bee which left a stinger lodged in his ear, and I received about a $30 check back for that after the deductible. The payment was prompt and fair. A month later he began to have some GI problems, with vomiting and diarrhea. He lost about 10 pounds in just a month because he was not eating much and what he did eat was not digesting properly. My primary Vet did some basic tests, then x-rays, which were covered in total at about 50-60%, then referred me to a specialist. The first round of tests there came to over $1000, and I received a check back for about $550. It did help as I came out way ahead with the premiums I had paid to date + overall Vet fees - rebate checks, versus not having any insurance at all. VPI was very prompt with the payment and didn't give me any EOB statement surprises. It seemed to be a fair deal considering his age and my investment in VPI so far. My pup has responded to the intervention by his GI specialist, has gained back his weight, is not vomiting, is eating a normally (on a Limited Ingredient Diet) and his stools have been normal now for months. It was a scary episode and very unexpected for a pup his age. Glad that I was covered.