I've had my dog insured with VPI for 9 years and have recommended it to others often. She is a mixed breed and has had numerous health issues over the years, including kidney stones, cataracts, etc. The reimbursements were always as expected and timely. I find it much easier to get my dog's claims processed that my personal claims. I would recommend as several others have to definitely read the cost detail provided with the policy. It specifies exactly what you will receive, especially for the large dollar claims. Overall I am completely satisfied.