I enrolled my dog, a Bichon, in the VPI Superior Plan when he was just 2/3 months old. I have submitted only two claims, that I can recall, in the four years that we've had him. I went into the vet because my dog had a hard lump on his right hip. The vet aspirated the lump, and found no cancerous cells, and then took an xray just to make sure that there was nothing else going on. He was diagnosed with a vaccine reaction, but upon looking at the xray she also saw that he had a luxating patella. The xray was taken for diagnostic purposes to check on the lump, but upon processing the claim VPI deemed it "treatment" for a luxating patella, and refused to pay for the xray! We weren't even at the vet for a luxating patella, but out of concern for the lump. I would understand not covering anything in the future having to do with the luxating patellas, but because it was diagnosed during the course of an xray, not to cover that xray DOES NOT make sense! Have tried to explain to VPI, but they will not change reimbursement. Out of a 203. claim, I recieved 53. back. I know we are not talking high dollars here, but am concerned about the future with this insurance company, if they are going to try and "loop hole" out of paying a valid claim! I am very good about paying premiums on time, and care greatly about my dog! Seriously thinking of switching when my dogs policy renewal comes around in March/April!