I have not used the insurance for any major claims. I have only used VPI for wellness. Very promp with payment and compassionate towards your pet. Yes everyone would like a higher percent of reimbursement, but I've been through 4 dogs at once with cancer before I had insurance and shelled out Thousands of dollars. I am happy with whatever the reimbursement is, now a day everything helps. Our own insurance dose not pay 100%. Thank you for caring.