We've had VPI for our two cats for years. One got mammary cancer and underwent a bilateral mastectomy. Thousands of dollars later, and after we submitted our claims, they ended up only reimbursing at about 30%. We've been paying for the 90% plan. Their "eligible amount" is between 30%-50% of whatever we pay. Our most recent reimbursement was only 26% of what we submitted. Again, we're on the 90% plan. I'm rating them 3 of 10 since that's about their reimbursement rate.