We have been with VPI for over 9 years and it is one of the best decisions we ever made. It's great to have peace of mind to know that in case of an emergency money will not be the deciding factor as to if our pet gets treatment or put to sleep. I am extremely please with the reimbursement and over the years have got my fair share of support. Considering without insurance it would have cost us the whole thing. Our senior cat was recently diagnosed with thyroid cancer and had to receive treatment and I can't say enough about the coverage. Best around. Even if you pet just gets the annual treatments it's still well worth the money.