I have VPI . I used it last year for an accident it paid about 50%. just keep in my there are breed specific exclusions under most plans. You do pay up front and then submit for reimbursement. It does give me peace of mind that if anything was to happen I will have some assistance with the bill. One other thing, I found the info on line very confusing I would suggest calling and speaking to customer service, have some scenarios to ask about.
