VPI was offered through my employer, and I enrolled my dog shortly after I adopted him. I had one of the bare bones policies, and for the first claim I filed, I received a check for $4.50 (the claim amount was $115). When it was time to renew, VPI was promoting their new major medical product. It seemed like a good deal, so I renewed with a $500 deductible, 80% plan. My dog got sick about 2 months later, and the vet said it was glaucoma. We were referred to a specialist for treatment. I checked the policy wording, and it had a limited benefit for primary glaucoma ($250 for treatment; $500 for surgery). As the eye was causing Duncan a good bit of pain, we had a surgical procedure performed. The good news: Duncan is doing great, back to his old self. The bad news: VPI denied the claim because the policy had not been in effect for 12 months. It doesn't matter that I have had a policy with them since December 2009 - the major medical policy has only been in force since December 2010. I looked at the long list of excluded and/or limited conditions and realized that there had to be better policies out there. After researching on this website, I'm thinking of switching to Petplan. Even if there are pre-exisiting exclusions on the policy, it looks like Duncan will be covered for more problems.