There have been previous post concerning this. We have VPI and it was the greatest investment we have ever done. Lola has broken her leg twice since we got her in November. She has also had some bouts of diahrea. She had to have orthopedic surgery a few months ago on her leg. VPI has more than reimbursed us. We pay $30 a month and they have given way over what we have payed. We have had only one problem with a claim where they sent us $225. We had our vet fax the dr's notes and then they reevaluated it and sent us another $1200. Without insurance, Lola's vet bills would have exceeded $9000.
The only exclusion we had was for a cold. I highly recommend VPI and I think it is a great idea for peace of mind. You never know when you might need it.