There are maximum payouts per itemized amounts on your pet bill from vet. For instance, the anesthesia was $75. VPI's maximum payout is $43. So my $320-$50 deductable = a $270 claim that pays 90% of the bill ($243)...and I got $63. I immediately cancelled. I thought I would pay my $50 deductable and get the 90% paid for. What a rip off! I'm giving my rating a 3 because they were nice about ripping me off and quick to get me my HUGE claim back.