We had our two Labs poisoned.One was hospitalized for two weeks and had two surgeries, the other was hospitalized for a week. After all was said and done the bill was close to $19,000.00. We purchased VIP's best policy. After submitting our claim, to our great disappointment we received a final check for $5,000.00. Upon calling VIP thinking there was some sort of mistake,every excuse in the book was given not to pay a higher reimbursement.(small print,you know)Now we know why they have the lowest rating in the business. When I told the VIP rep on the phone how I felt, very nice and polite and that I wold be finding a new insurance carrier, she responded with, you can try but we all have basicly the same coverage.(BULL!!!!) We went with a company that is listed here with the highest ratings. An agent took the time to go over our Vet bill and tell us what they would have covered, that would have been practicly the whole bill and at a lower premium. Man did we get riped off. So it's by-by VIP. I wish we could have had our new coverage when this happened. Live and learn.