When I first got my companion the options for pet insurance were limited. From my first claim I have been dis-satisfied with the claims and the reasons for claim refusal. The first one was for eye surgery to remove ingrown eyelashes. That was denied because it was 'hereditary' although no documentation could be provided to support that claim. There payout guidelines are worse than for humans. I also asked how they calculated the 'maximum' benefit per condition and I never got a response. I am so happy there are now other companies competing with VPI so I can change coverage.