I purchased this policy because their pamphlets appeared in my Vet's office. I just subimtted my first claim (after 3 years). My dog has severe allergy issues. It cost me just shy of $1500 to get him on the path to health. After working with VPI and their payment schedule, it looks as though I may get a mere $200 refund. I had what was supposed to be their best coverage. I hardly call this coverage.