We have had VPI since our dog was a puppy(13 yrs) and never really used it until just recently when a cancer surgery went terribly wrong and resulted in amputation of a front limb. In addition to the heartbreak we spent nearly $25,000 and out of that VPI reimbursed us only $3200! We even have the Superior plan with cancer rider so its the maximum allowed and we pay nearly $70/month. I always kept up the premiums so it would be there when we needed it and VPI really proved to be a waste of money. So disappointed. And they are slow to process- up to 30 days.