Hi There, It is pretty ironic that the ferret pet insurance- VPI - is based in California. It is also ironic that my year old fuzzy and I are also based in California. I put my fuzzy and my dog on Veterinary Pet Insurance. I haven't used the policy on my ferret, we just went in for her yearly physical, had the rabies shot, and I am waiting another week to have her other shot and will submit my claim then. The insurance can be paid monthly at approx $13.35 for my ferret. The insurance premium is deducted monthly from my checking account. You can also pay yearly. But, we used our dog's VPI a couple of weeks ago. She had her yearly physical and shots. The bill came to $48. We submitted it to VPI and just received the refund from VPI. They refunded us $43.00. We are pleased with that. We didn't think we would be refunded so much. The refund took about 10 days to reach us, so that was also a pleasant surprise. Thus far, I am very pleased with them!! I will post the info on the ferret when we receive the refund check. That will probably be in another month. [HA] [Posted in FML issue 3721]