I've had VPI for over 12 years, I have been remiss in my seach for other pet insurors, I can only explain it as laziness and some misguided sense of loyalty. Now that, sadly, I have finally realized that VPI does not reciprocate or care Before purchasingplease be advised that this company is geared toward major illnesses/accidents (to prevent pet uthanization)this information is conveniently omitted from their sales brochures/literature. and that which is provided is misleading and is a misrepresentation. Your insurance will not cover most illnesses/visits, most of my claims were returned as "not covered." Furthermore; "if and when" you get reimbursed the amount is minimal, explained: " not covered or is your deductible which in most cases is a minimum 50% of the claim quite conveniently for them, each illness/visit carries a deductible, and deductibles are not cummulative towards a yearly amount, Consequently the reimbursement amount is consistently decreased. I regret not taking my son's advise to cancel. He tired of what can only be deemed questionable practices. He cancelled both his policies and purchased elsewhere. I too will soon take this measure.