We have had VPI for about 15 years. We have always been a multi dog household and some of our dogs never had a claim and others have had many. One of our lab mixes has had both of his knees done in the last 3 years (cruciate). Several years ago another of our dogs had cancer and we opted to treat her with chemo to improve her quality of life. Having insurance was a big help and helps make care decisions much easier because cost becomes much less of a factor. VPI processes claims quickly with no hassle at all. It would be great if VPI paid a little more but they are up front with their coverage. I have recommended VPI to many friends and family members.