I have had VPI insurance on both my dogs for the last 3 years. They are very easy to deal with and the reimbursements come in a timely manner. I'm not sure what is customary for the reimbursement amounts, but they seem to be fairly reasonable. I will continue to use VPI for the life of my pets. The Wellness protection is a really smart way to go as well, especially if you have a puppy it covers fixing and all the regular vaccinations. They are easier to deal with than my own human health insurance!