I have a had my dog covered by the Superior plan for 5 years (since he was a puppy). My dog recently had to have his tail amputated (started chewing on it and developed lesions that wouldn't heal). While I do wish VPI would have reimbursed more, I also know that this would probably require more substantial monthly premiums. So, overall, I think it's a pretty good, affordable policy. The process was relatively easy and the claims were paid in about 2 weeks.