I have submitted 2 claims to VPI since obtaining insurance in October of 2008. The company has had all of the necessary information relating to my claims for over 60 days. They initially submitted a temporary denial sighting their need to review past records. Today they are claiming a "pre-existing condition" on my policy stating that the veterinarian noted this on my pet's records. The vet has no record of this notation, nor do I. It is evident that this company is fraudulently altering records in order to reject claims. IT IS A TOTAL SCAM. Do NOT make the same mistake I made. I have since cancelled my policy. read full review »