I have had VPI for the past 3 1/2 years and have been totally satisfied. I can't believe how quick they are in paying a claim. My Golden Retriever puppy ate a light bulb, had surgery and less than 3 weeks later all but $100.00 was paid for. (that would depend on which level you are on) Now my other dog was shot on 3/5/11 and I just checked my claim, and it says payment has been mailed. It's only 3/10/11 Amazing. They do have certain conditions that they won't cover (my Golden Retriever might have OCD-not that kind :-) and it won't be covered. However, there is no way a company would be able to pay for every type of condition, as our monthly payments would be to high. Overall I love the aspect that when something does happen, I know that VPI is there for me.
Coton De Tulear