My now 5 year old cat has been covered by VPI since he was just a kitten. I learned about it at our vet clinic after a major health crisis with one of my other cats, which was my eye-opener to just what vet care can run. I didn't need to file a claim for my kitty until 2009. I wasn't sure what to expect, but found filling out the form simple & easy, faxed it out, and before I even thought about it again had my check in my mail box! The amount was actually higher then I expected. Very quick & simple and no worry if the vet would accept the insurance. For me, VPI is there for peace of mind should higher services be needed. My most recent claim will see around $225 reimbursed, leaving me with around $84 out of pocket expense. For some that may not be what they want as a refund, but for me it is a great help. I was able to get him the care he needed and know the bulk of it would be covered. I am very glad for VPI and plan to insure all future pets with one of their plans.