Our 12 year old Lab has been insured by VPI for 10 years. I wish I had switched him to another plan while he was still young enough to be eligible. I have long been dissatisfied with the reimbursement, si it is my own fault. After a recent claim that paid out at about 35%, we canceled the policy. We would do better to open a bank account for him. We have Pet Plan for our other dog and have been much more satisfied with a reasonable reimbursement.