Don't waste your money. I had this insurance co. for 7 years with the hopes that the reimbursements would get better. For example, my dog had a Lumpectomy that cost $1, 000.00 and VPI reimbursed $120.00. I complained and they said the reimbusements are based on the vet economy rates for the area. Who are they kidding. Save your $400.00 a year for the lowest policy and put it in the bank for when a vet bill happens. 7 yrs X $400.00 = $2, 800.00. Stupid me.. read full review »