By the time my dog was 2, I already had to submit several claims due to ongoing health issues of mysterious origin. Claim submission was easy and the response and reimbursement from VPI were very timely. They covered everything leading up to and including a diagnosis of severe allergies, which we now have under control thanks to the persistent efforts of my wonderful vet and the support of VPI! Without VPI behind me, I wouldn't have been able to afford the allergy testing and treatment, which has turned my dog from an itchy, ill, miserable mess into a happy, healthy pooch! I would highly recommend this company to anyone looking for a good insurance program for their pets.