I purchased VPI's best policy with a zero deductible for my two English Bulldog Pups and my 8 year old New and a cat. One of the Bullies developed a heart mur mur and needed surgery $5,000....VPI......sorry not covered. The other bully developed cherry eye....$1600.......sorry not covered. We submitted vet bills for $9000 plus and got nothing. DO NOT buy their insurance. If this has happened to you with VPI, contact email@example.com and become part of a Class Action lawsuit against VPI.