We have had VPI on 2 of our dogs. While it's a decent coverage, it's definitely lacking in reimbursement amounts and what they consider a payable condition. They consider many illnesses and issues to be hereditary and won't cover a dime. They also have very low payout amounts for expensive diagnostic testing, meaning we have had to foot the bill 100% of the time numerous times as they've denied something or will only cover 1 diagnostic test even if many are recommended by the vet. With our newest dog, we went with a different company and are 100% happy with that company. We wish we could change our other dog currently on VPI to the new company (Petplan), but because of some preexisting conditions, we can't get coverage with another company at this time, so we're stuck with VPI at this point. Again, overall it is a decent policy, but it costs more in premiums than our other company and it pays much, much less. Bottom line....we would recommend our other company versus VPI to friends and family.