VPI is the worst pet insurance company you could have for your beloved pet. Their rate schedule is arbitrary, completely in their favor. They pay what they think the service is worth and not off the actual veterinary bill. Worse, they are disingenuous in their marketing. I felt that i had asked all the right questions and having received the answers that I sought I signed up for their coverage. After paying 4 full years of coverage I actually had an incident with my pet. All of a sudden, I find out that suddenly I'm not covered for a surgery because they consider it to be hereditary. This was not the vet's conclusion but who cares! Stay away from this company. Go to Trupanion, PetPlan or Pet's Best and do your research. VPI IS BOTTOM OF THE BARREL. Shame on me for not digging deeper in my original search.
Cavalier King Charles Spaniel