Through the years, we have had 3 dogs covered by VPI, 2 of which are now deceased. I do agree with some of the other reports regarding their stadard and customary fees being too low, and I sometimes find it difficult to follow how they arrive at their payout amounts. I have had them range from less than 50% of my cost to over 90%. Having said that, I have never regretted getting VPI coverage for any of my dogs. We are very thankful that VPI has been there to provide the help we neeed paying our vet bills when serious issues have arisen.