VPI's reimbursement schedule is a joke. I submitted three vet bills for a total of $361 and received $162 in reimbursements. To top it off, even though the illness was a reoccurrence from a problem six months prior, they treated it as a new illness so I had to pay a $50 deductible. Dealing with this company is very frustrating and I would love to switch but now that my pet has a pre-existing condition I could not get other insurance. So unfortunately, I'm stuck with this. My cats is still young, but I shudder to think about dealing with this company as she gets older and the bills get bigger.