We have VPI pet insurance for 2 years now. And Lucky we had them. We have had some claims one of which was a major surgery for our pound puppy.We have the major medical plan for our dog, and I have to say I was pleased with the reimbursement. Shop around for a resposible Vet, because I think they overcharge. They scream to take care of your animals but They make it impossible with their high prices. Shame on the Vets I say. They are the bloodsuckers. I and my Dog are very pleased with VPI Insurance. Only thing I wish for would be that I could get that cheap a plan for myseelf.