I am a new pet owner and have only had the insurance for about two months now. The process is long and it takes forever to get my reimbursement check. VPI was not clear on what they covered at first and I had to call and ask why I was only getting 100 dollars back after a 360 dollar bill. My dog had to get his eye checked with dye and they barely covered any of it. But I know its just the beginning so hopefully things will get better. I am giving them another chance. So far not worth my money.