We signed up for VPI when we first got Snowball and it is such peace of mind to have it. So far our claims have been promptly processed and the reimbursement has been more than adequate. All have been pretty small claims, mostly "well dog" chckups and a few minor puppy problems. Couldn't be more satisfied. He is now almost 5 years old and his future health is a complete unknown. We are happy that we have VPI. Thank you!