We had been with VPI for the past 5 years and never had to file a claim until this past December when our Lab came down with a hematoma. Having paid $32.00 a month the past 60 months equaling $1920.00 in month payments, VPI denied our claim of $ 998.00 stating the hematoma is from a prexisting condition, ear infection back 5 years ago. I have asked them to reopen the claim explaining that how can a dog still have an ear infection from 5 years ago. VPI will reopening the claim for further review and if approved will send me a check for only about $225.00, that sucks. That is 1/2 of what other pet insurance pay out. From my research VPI sucks and better companies existi now to choose from. I will be cancelling with VPI on March 1 when my policy has expired.