I've had a VPI Superior plan policy for about 4 1/2 years and recently had to submit a claim for TPLO surgery. Submitting the claim was easy and they paid within about 2 weeks. I ended up getting about $1,500 of my $3,300 vet bills back. However, I would have liked to get more than under 50% back from VPI. I chose a highly recommended surgeon that did the durgeryy in my vet's office. Since my German Shepard is a service dog (search & Rescue), I did chose a specialty orthopedic surgeon who specializes in TPLO surgery and the cost was probably higher but I wanted to ensure that my 5 yr old Shepardgot the best care so he could continue to be a working dog. I do think that VPI should align their reimbursement to today's standards and costs.