We had a husky mix that we loved dearly. He became ill and we felt free to get the best healthcare because of VPI. We lost him to lymphoma after three months, and the plan was cancelled. We were devastated. VPI have continued to refund expenses and we have more to send in. It's very easy to do and everyone we talked to has been a great help. We also had Banfields plan. It was good while he was alive, but when he died they wanted me to pay for the whole year even after his death. I would never recommend Banfield to anyone, what a ripoff! Banfield gets a zero!