I used VPI for the entire life of my Doberman, who just passed.In the beginning I had arguments regarding coverage when they called something a preexisting condition. Over the years they covered his ACL surgery, lump removal, surgery for stomach tortion, annual visits and immunizations, even when submitted two years later.Claims were easy to file by faxing on line,not paid as quickly as would like but paid in reasonable time. My main problem was their benefit amount not sure where they base these $ but not from north east They are way below what we pay our vet. Also don't cover eye conditions not on their schedule. overall good reimbursement policy and service , just not enough reimbursement. I just got a new puppy and wanted to review other carriers - however not fast enough for puppy to each raising and cost me a bundle w/o insurance. guess little reimbursement would have been better than no reimbursement!