I have had VPI for over 17 years for my dogs and cats. I had a St.Bernard who had lymphoma 8 years ago and they covered much of the cost of his surgeries and treatment. I never had to worry about whether or not I would treat my beloved big and little ones as VPI was a backup for me and my daughter for a better quality of health for them. It is true that the coverages have and reimbursements have decreased overall, but that is simply a product of our current economic society. would I continue with VPI ? absolutely. and, my daughter is now a veterinarian and recommends it to her clients.