I have a 2 1/2 yr old German Shepherd and a German Shepherd puppy, both insured with VPI. The older dog developed panosteitis at 5 mos VPI paid 90% of the eligibleamount ater a $50 deductable. The claims people and everyonr I dealt with were great. My only complaint is that the allowable amount is far less than what is actually billed by the vet, but I dont think this is unique to VPI. Human health insurance is the same. Im glad I enrolled both dogs a puppies.