I've used VPI now for about 2 years, have 2 dogs, 1 6yr labmix, 1 2yr german shepherd. Both on the superior plan $24/month/dog. The lab had to have a TPLO procedure done at a cost of $3000. VPI reimbursed $1500 of that. She also had 2 previous visits to vet, of which I've been reimbursed roughly 50-60%. (seems to be the norm). All-in-all i've been quite satisfied with VPI and would recommend them. Filing claims are quick and easy, following the process on line is just as simple, and they keep you in the loop of the process.