When your pet is sick, you don't want to have to worry about the cost of each test. We joined VPI in January and our puppy was sick and at the vet, incurring over $1,000 in testing expenses, in February. The vet submitted the claim to VPI and I was able to follow the claim process on line. The claim was approved and in about 2 weeks we had a check reimbursing approximately 80% of our expenses. I was really impressed with the ease of ise and the service. I would definitely recommend VPI.