i have 3 boxers and have had VPI since they were puppies.also have the cancer rider on each policy. they are now age 6 and one of my boxers had abdominal surgery for a mass and Lymphoma and also tore his ACL. i like that you can email in the claim and i used to get reimbursement within 2 weeks. now it is taking almost 30 days. also i would like to see clearer instructions on the amounts that would be covered in each year per occurence. it gets in the shady area and not sure if will be reimbursed or not reimbursed.overall, i would recommend VPI.