I have been more than happy with VPI insurance. They consistantly pay. They even covered a cat that I lost. I told them she wasn't doing well, and that I thought she might be ill. Theysaid to go ahead and cover her. She turned out to be very ill. They paid even then. She had several expensive treatments and tests. They never questioned any of these. Then when we lost her, they sent a wonderful message to us. Sure I wish they covered more, but it's true-- If I want more coverage, I need to pay more.