I had VPI for my two giant schnauzers, one which was 9 years old at the time (they were adopted and in great health). Only a few claims were made, but each time they attributed nonpayment due to association to an preexisting benign fatty tumor; they would request all vet records from the beginning and take several months to respond. Each time an inquiry was made as to the payment request, they would request additional information. They made it so painful for the vets and everyone involved that I eventually cancelled the insurance. I was paying $70 per month for the one dog and $30 per month for the other. The average bill was $150 and only 4 were submitted over a two year period. Would never deal with them again.