I have covered 4 to 6 dogs with VPI for almost 10 years, pay over 200.00/mo in premiums. I just turned in a claim, on my dog for a spleen tortion, bill was 2,400, got back 1,500. This is just rediculious , they first take off 50.00 deductable then only pay 90% of what they allow for the problem. They also dont allow differences for large breed dogs vs. small dogs, I have Great Danes and they pay the same for a minpin etc. Most all surgeries go by weight for drugs, anesteshia etc. I have complained to the company before and was told things were changing, this was over a year ago. Not changed!! I am about done, and will be switching to Pet Plan. Pet Plan can have my $200/mo premium and they even cover genetic problems and you can choose the amount you want to be reimbursed for 90%, 100% etc. Then I had to keep calling to find out where and when my claim would be processed.