I use VPI and I do mean use!!! Beauty has had two surgeries in the past year for mast cell tumors which cost around $600.00 and I have gotten about $425 - $450 back. I think that is pretty good. However, I think VPI is slow in reimbursing. Plus my vet is always over the customary charges, so on office visits, etc. I don't get as much back. On the whole though I've been satisfied.