We purchased a lab puppy from a reputable breeder in November, 2011. A good friend recommended VPI and I called, spoke to a very helpful advisor, and purchased the insurance. At the time, we thought it would be helpful since our dog would be neutered . We never expected to have to use the insurance for any other claims. However, our healthy puppy was diagnosed with a seizure disorder and many allergies which have resulted, unfortunately, in costly. Medical bills. VPI has been prompt with reimbursements for claims and very user friendly. I always recommend VPI to all pet owners.