Our boys are both over 9 years old now (a yellow lab and a pointer mix) and we have had VPI since they were puppies. Thankfully neither has had a chronic illness, but our lab did rack up quite a bill at the vet when he ate some twine when he was a pup and almost needed surgery to remove it. Our pointer mix recently had a bad gastritis requiring fluids and medication at the vet. With both illnesses, and also with their routine yearly visits, we have received prompt replies and payments from VPI after submitting the claim. The reimbursement is fair and well described in the policy. While pet insurance isn't cheap, it is well worth it, knowing that if either dog needed major medical or surgical care, they are covered by VPI. Paying the yearly premium is worth the peace of mind knowing that my boys can get the best care possible.