I have had two dogs with pancreatitis issues. One died this past month of complications. Having VPI has allowed me to do as much as I felt was reasonable to treat my dogs knowing that about 40% of their treatment would be covered. I have gotten more back in coverage than I ever paid in premiums. I never have had a problem getting a prompt reimbursement. Totally worth it to have VPI! I recommend them to everyone I know. I've been a customer for about 10 years.