Getting VPI Insurance was the best choice we ever made! We rescued a Boxer and knowing the breed, knew there was a chance he may have some health issues. He ended up developing several mast cell tumors which were very costly to have removed. Thankfully we signed up for the highest level of coverage and could therefore afford to have them removed and continue to monitor the situation. We believe our dog will live a longer happier life because we were able to take the right steps to take care of him with the help of insurance. I will say, there is a slight learning curve to figure out how to submit forms but once you read the directions and do it once or twice, it is actually very easy. The turnaround time for refunds is very quick too. I think it has been as quick as 1 week from the time we submitted a claim.