Last year I made the decision to obtain pet insurance with VPI. I looked at several policies, and decided that the VPI policy with Major Medical and Core Coverage was what I could afford. The wellness benefit was excellent, and I was pleased. Last week when taking my sweet girl to the vet I pointed out what I thought was a mole on Roxy. The vet became very concerned and encouraged me to have it removed immediately. After surgery the next day, and the assurance that they had "gotten it all" the bill was quite high. I submitted the bill the next day, and within a week the claim was processed!! Of course I am still out some cash, but I am getting about 1/2 of the cost back. I am so pleased. This gives me the opportunity to provide the best care for my baby!!