Unfortunately I've had to submit a few claims over the years. Just like people insurance you're paying for something you hope you don't need, but when you do need it...you're quite thankful it's there! The reimbursement has been quick. I've been pleasantly surprised sometimes at the reimbursement amount, and sometimes not so pleasantly surprised. But, I knew going into it that certain procedures and diagnoses had higher reimbursement than others. Overall I'm very, very happy with VPI.