I have 2 current Labs protected with VPI and have had no issues with getting reimbursed for my claims. Luckily for these 2, I have not had any major health issues, but i know if I do, VPI will stand behind their policies as they did with another lab of mine that had cancer. In that case, I was fortunate to have the Major Medical plan in place and because of this I was able to afford the cancer treatments that ultimately extended the life of my dog for 18 months. I was very grateful to VPI for being there for me and my buddy Tardy. His last 18 months were actually very good and we were able to keep the quality of his life good until the treatments were no longer effective. Thank you VPI !