I have had VPI superior plan with cancer endorsement for almost 12 years.In that time my Maisy has had numerous stomach problems, 2 root canels, 3 Mast Cell tumor operations, a lung lobe removed for cancer, a bad back, and now a nasal cancer tumor. Nice huh? I understand that VPI perhaps has reinbursements lower than my vet charges, but I never considered this insurance as everyday, every vet visit insurance. To me it was always please help me on the large bills. Which they have always done tremendously.As long as you fill out the forms correctly and ALWAYS send in the diagnosis of your pets illness, they have reinbursed me in a very fast and efficient manner. In fact, they are getting faster at this in the last year or so too. I also have the insurance for my puppy which I got 4 years ago. My advice is to buy the BEST policy you can afford as it will pay more.