I had VPI, and the first few years it was OK, I just had the cats then. The rates really (really) start to go up as your pets get older, whether you have had a claim or not, and they refused to cover Fletcher at all because of his IBD, even though he was only 2. I didn't expect them to cover the IBD as it was a pre-existing condition, but they wouldn't cover him at all I dropped all my coverage and started a vet savings account, and so far that has worked fine, but my biggest vet bill month so far was only @$1300.