We have two greyhounds (8 & 5 years old) and both have policies with VPI. Last year, I considered switching to another insurance company with seemingly higher reimbursements, but the premiums were so much higher that it cancelled out the difference that we might have saved in reimbursements. Our dogs are in good health in general, but the few times we have had emergency situations or high vet bills, VPI has reimbursed us adequately according to their published rates and standards, and has done so in a timely manner. Would I love to get all of my bill reimbursed? Of course, but that is not the way these companies work. You get what you get and I think VPI is pretty clear about what to expect. In short, we've had no major problems with them and I would recommend them.