I have had VPI for 7 years and have definately gotten my moneys worth. The response time for claims review is excellent and I have been happy overall with he re-imbursement. The only time that I was un-satisfied was when my dog Crosby had a mass cell tumor. Because of the tumors location, it had to be removed by an Onclogic Surgeon. This resulted in a total ear amputation. I would have liked if my policy would cover specialized surgery in the mass cell coverage. Thankfully, Crosby is cancer free and worth all of the out of pocket expenses. I will continue to provide coverage for both of my dogs through VPI.