VPI won't bill the Vet. You pay the vet and then send the payment receipt. Even if faxed the same day, they take about 2 1/2 wks for payment. They don't cover quite a bit, and have recently added other 'levels' that you can purchase for better coverage. I bought the best (at the time) for 2 dogs. They also don't cover prescription dog food, required supplements (from the Vet) & certain procedures that happen in check ups. They won't cover an animal if they are 9-10 yrs, unless you had the insurance when the animal was younger.