I have had very great experiences with VPI. Everyone has their own feelings, but mine are very positive. My oldest dog has had 2 surgeries in the last year. He has had a policy for about 4 years now. My reimbursements for the surgeries were over what I have paid in for the last 4 years. I am happy to get reimbursed...I know too many people that have had to have surgery for thier pet and don't get anything back.