VIP is the first time we have ever carried pet insurance. I constantly recommend it to people when I hear they are getting a new dog. Our Lab is almost three and we have had several big issues with things that he has eaten as a puppy (a bath towel, polyester squirrel tail, etc) As our vet said to us, "labs make notoriously poor choices!" VPI was speedy and efficient. We have not yet reduced our premium to a lower level, but I like that option. Our vet is really high on VPI and files all our claims for us. We are more than satisfied.