I have had VPI for 10 years for my beagle. I am so glad that I have the insurance because it is easier to be able to say yes when she needs something that is expensive. There are times that I would have had to say no in the past because of $. The only thing that I think VPI should work on is how to process claims for a recurrent issue in the same year. I think they should consider a per incident coverage instead of a condition for the entire year. Example - my dog has had pneumonia 3 separate times this year but the max is really only enough to cover one time. Claims have been processed quickly and I like that they send me an email that they have received a claim. It allows me to check with vet more easily when they haven't submitted a claim. Claims processing in the past was slow - it isn't now.