We have had VIP since getting Ellie. She is 6 yrs old and I am so thankful that the Vet. recommended insurance on my first visit. Not knowing she would have to have spinal surgery and several major blood workups. We just had her teeth cleaned and it was covered. Everything they say they cover they do and will always advise you as to your needs. Just fax the file and you will see the money within 10 days. We couldn't have met the cost as we are retired and on fixers income. VIP is so willing to take time to explain any issue with you as to what you need. No pressure, very professional. Recommend them to everyone.