I got VPI for my new dog. I am glad I did. she has a gastro-enterology problem and probably food allergy. it took a number of vet bills to figure this out. one bill was $850 and VPI reimbursed me $700 of that. i was very pleased. however, i think they only reimburse you for one illness per year. so let's say your dog has giardia and you submit the bill. vpi will reimburse you x %. then let's say you dog get giardia again in the same year. they won't reimburse you for giardia b/c you already submitted for it. this insurance is great when you have a 1x emergency visit costing alot of money. not sure yet about a chrinic or life long condition.
American Staffordshire Terrier