VPI will look for an excuse to NOT pay you at every possible option. Their letter will say, "Thank you for protecting Dolly with a VPI Pet Insurance Policy... After reviewing your claim according to the terms and conditions of your policy, we regret to inform you that a reimbursement will not be issued." You will get this letter for anything and everything you submit. Don't waste your money. We have made the mistake of using VPI for the past two years. VPI is a SCAM business.