My pup has had medical issues since birth, so I am very grateful for this coverage who has always handled claims in a very timely manner. When shopping around, as others mentioned, be careful! They may say they will cover more than what VPI provides BUT they have other kinds of restrictions. For example, my pup needed the same surgery twice and actually needs it again but that's another story! VPI covered each surgery and other claims in between. There are some companies that will not cover the same area of a pet more than once or something to that affect... what?? ONCE I called VPI questioning the smaller than expected reimbursement. I was given the opportunity to explain what was going on related to that claim; they investigated further with the vet, and reprocessed the claim sending me another check. Nothing may be perfect, but VPI offers great coverage and customer service.