I have only had VPI about a year. I have it on my Boxer and I have the cancer coverage rider. I have only submitted one claim, and I received payment very quickly, within two weeks. I had to have a mass removed on his hind quarter and he had a lump behind his canine that had to be removed (which actually turned out to be three teeth in the space of one! - all were removed). I have to say that my vet is very good, and very reasonable - VPI covered all by my $50 deductible and about $40. Very happy so far.