I've been with VPI for about a year now, and have only had one real experience where I needed to involve insurance. My 9 month old puggle had ingested Rat Poison, which resulted in an immediate trip to an emergency animal hospital to have her stomach pumped, as well as 3 separate follow up visits for check ups and medication. Each visit I submitted a separate claim with proper documentation showing the treatments which occurred. When all was said and done, VPI covered 90% of my vet bill which estimated at $900 dollars. I have read some pretty bad reviews on VPI, however my experience has been extremely pleasant and I would recommend them to anyone.