I had never had pet insurance before and have spent a fortune out of pocket for the care of 6 prior dogs and 2 cats. When I got my Heidi(Rottweiler)at 15 months old she was perfectly healthy, but something told me that maybe I should think about insurance for the first time. So glad I did, never expecting some of the problems I would incur with her. Though the yearly premium is high, it has more than helped pay some of the vet bills. However, I wish the reimbursement was more, but what I have received has really helped. Heidi turns 5 on Aug. 1st and is feeling great again. Thanks VPI for your great service and for the reimbursement which has truly helped my finances.