VPI is very timely about issuing payouts for vet bills. Their customer service is great and I would not be able to live without it. I adopted a pound puppy and have had quite a few vet visits. VPI has made all the difference. I take my pet to the doc when he needs it, not when I can afford it. He gets the best care and I am reimbursed quickly for any expenses. I would recommend VPI to all pet owners.