We have only had VPI about 2 years now and have never had pet insurance before, but we have 2 foundling cats. One is now 13 and has just been diagnosed with diabetes and is on insulin twice a day. The other adopted us three years ago after being abandoned just before hurricane Ike. He has multiple problems. Seems we just get one illness under control when another appears. We are fighting air born allergies right now and regular vet referred us to a specialist. VPI has been prompt processing our claims and getting back to us with either a check or an explanation of denial. Of course, I would like them to pay every claim, but that is not realistic and no one should assume they will. In fact, we have filed so many claims in this past year, I was getting embarrassed filing them. I would not be without VPI. I have suggested VPI to our friends with pets.