I have been doing some research on VPI's plans and I started reading this link
Pet Insurance Buyer's Guide
It says you pay for your pets treatment, and THEN submit a claim to get reimbursed? So what if you have an expensive bill, how are you supposed to pay for that until you get 'reimbursed'? I'm sure I am not the only one who, at the moment, would be entirely screwed if anything big comes along.
I'm looking for a company/coverage plan that will cover it before I have to. Otherwise it's more just like a rebate program.. for your dog. You are completely out until you receive the money back?