VPI insurance is a complete waste of money. They have covered almost none of my claims submitted this past year. When you file a claim, they review the claim to figure out the best way to call it a preexisting condition or a non covered expense. The few things they did reimburse (heartworm etc) had such small reimbursements, it was not worth the hassle. I still have not gotten a final response on an expensive claim from 6 months ago! I have sent all the records and the only correspondence I keep receiving are letters telling me all the additional things they will not cover RETROACTIVELY. Seems fraudulent to me! They have spent alot of time trying to get me to renew. They should spend more time supplying their customers with the coverage they paid for! By the way, I have 2 friends who have had the same problem with this company and have also cancelled their policies. Save your money because you will regret the headaches and money that VPI will cause you.