I have been a member of VPI for 9 years. It was the best decision I have ever made in caring for my pet. My cat Shu Shu has Chronic Lymphocytic Leukemia, Chronic Renal Failure, Colitis, Pancreatitis, Dehydration and Constipation. Without this insurance I could never have kept her happy and confortable and she still is doing very well - all things considered. She is in no pain. VPI always go above and beyond to meet her needs. Yes, there are some things they don't pay for the there are more of things they do pay for. Yes they make mistakes, but very few and if there is a problem they will reconsider your claim and try to help. I am very pleased with VPI and recommend them to anyone who has a pet and has their best interest at heart.