In this economy you don't have a lot of money to spend on your animals, I can trust that VPI will reimburse me and I look forward to getting that check in the mail. I can take care of my dogs needs and not have to worry about her. VPI also has excellent customer service, I have never had any problems with them. I simply have the vet fill out the claim form and I fax it to VPI, I usually receive an email the same day saying they are working on my claim. And the check comes fast! I recommend them to everyone that has animals, and I plan on keeping my coverage for the life of my pet.