We currently have three pets on VPI, a dog and two cats. We've been very happy with the services provided, and while we obviously haven't been reimbursed 100% of what we've paid out of pocket, the impact has been greatly reduced. The monthly cost is well worth the price for the peace of mind in knowing that costly emergencies can become affordable and at the very least I feel that VPI virtually eliminates the worry of ever having to decide if it's affordable to treat a sick or injured pet in an already terrible situation. The only thing I'd really like to see added would be higher reimbursements for flea and tick meds (right now I think it's $50 per year per animal which covers about two months, not a year) and the inclusion of prescription meds (which can get really expensive with a chronically sick pet). Ultimately, it seems irresponsible to me to have a pet and not have pet insurance. As a VPI customer I feel like they've helped us provide the best care for our animals.