Get your pets enrolled as puppies. My Yellow Lab has had numerous claims and VPI has always sent my checks in less than 30 days. They have made it possible for us to have several big surgeries to help save Cole from discomfort and enabling him to walk after having a torn ACL. Because of VPI we can afford to take care of our "needy" Labrador Retriever! VPI has given us the ability to be relatively worry free when something happens to Cole. Having VPI gives up peace of mind and has restored Cole to good health more than once!!!