I have had VPI insurance for my golden retriever for 8 yrs. I had the superior plan. Over the years VPI has reimbursed quickly and was always available to answers my questions. My golden retriever was diagnosed with disseminated histiocytic sarcoma June 5, 2012 and passed away on June 23, 2012. VPI reimbursed me for more than half of her medical bills. I highly recommend VPI.