I have been with VPI for over seven years this time and prior to that for over ten years. They do pay their claims in a timely manor. I do agree about only paying 50% of the claim. I didn't have hardly any claims till the last seven months. I think Vets all overcharge and probably like doctors do test just to make more money. I never searched around for any other Vet insurance so i don't know how they pay. All in all I am good with VPI. I have recommended them to friends of mine.