I have 7 pets both furry and feathered currently covered under VPI. Thankfully I have only had to use it a few times for acute illness and every time, VPI has reimbursed me quickly for my expenditures. The peace of mind knowing they are covered in case something comes up is priceless! Most recently I had to use VPI for coverage for my Lhasa Apso that has two cysts on her tail. The only claims incurred for this problem have been the immediate treatment of the rupture and I had no problems getting my reimbursement. She now needs surgery, and I feel confident that there will be no problems with this claim either and my reimbursement will be done quickly. I love that they have now changed there site and I can fill in pre-filled claim forms and check the status of the claims on the site. They even send me an email letting me know that the claim was received. This is definitely a bonus!!! I will continue with VPI coverage for my fur kids since the peace of mind is worth its weight in gold!!!