I have purchased and used the insurance for both my dogs. I'm an insurance professional so I understood what I was buying. That being said, I do think VPI needs to adust the schedule of what is paid in each category, the fees are rather low considered to the actual cost of the procedure. The insurance allows us the comfort of never having to make the descision on whether to treat the pet or not. There is nothing worse than standing in the vets office in emotional distress and trying to figure out if you can afford to pay the medical bills to treat a family member.