I purchased VIP through a work program that looks for corporate discount rates for their employees. The charge for VIP is taken out of my payroll check so I don’t miss the money or have to pay any bill. I have had the insurance for my dog for several years and have filed a claim at least once every year. Once for problems with his eyes that turned out to be alergies and also for an Intestinal problem which required lab work and medication. I have also submitted yearly well care visit claims and have had those paid. I have recommended VIP to several people and they seem pleased with it as well. I would recommend purchasing the insurance when your animal is still young. I don’t think that I have been reimbursed as much as I put into the insurance but if there is a serious problem with my dog I won’t hesitate to bring him to the vet. Read your policy and talk to their customer service department to get the best fit for you and your animal. Keep in mind there is a deductable and co-insurance per visit, for me it's very worth it.