after paying for a whole year of VPI premiums, i felt i was giving my dog a peace of mind in case anything should happen to him. a couple months ago he wasn't able to walk after our stroll in the park and i took him to a vet.
turns out it he sprained his back. well, VPI has it pretty much figured out how they didn't have to cover any of the $200 vet bill. for a sprain, they only cover $46 and the deductible was $50. their rep kept saying that if i had upgraded to their superior plan, it would have covered a lot more. i insisted on their doing the math, and it turns out it would have paid out a whopping $20.
so, save your premiums, as it would have covered the vet bill in my case. but what i really hate is how they advertise themselves as giving petowners a peace of mind with comprehensive coverage for unexpected illnesses and accidents. it's just false advertising.