We have four large dogs on our pet policy. Our claims have ranged from routine vaccines to natural diseases to accidents. All our claims were handled quickly and without hassle. I will also reiterate what others have stated; be an informed consumer. Ask your vet up front what their fees will likely be, shop around, and make sure you review your policy. I always recommend VPI when asked if someone should get pet insurance, and will continue to do so. Thank you VPI for caring our our pets as much as we do!