I have the Superior Plan, and unfortunately, I have had to use it for my dog who has had some non-routine health issues. Each time VPI has helped me pay the bills and keep my pet expenses from escalating unexpectedly. I believe that their payments have been fair and what I expected. I can't imagine not having them. I know that things can go wrong with our pets, and it's great to know that VPI is there. I have compared them to another company, and their plan was better for me.