I was very pleased with everything in regards to Heidi's claim. I faxed the form the day after her surgeries. Originally it was for a fractured tooth. When she was under anesthesia,they discovered a small lump on her back. The vet called me and I told them to remove it. It was benign. All was well. The bill from the vet was $800 or just a little more. There was a $50 deductible and the cleaning of her teeth $120 was not covered (which I was aware of). I received a check from VPI in less than 2 weeks for $535. I was very happy for the reimbursement. So,Heidi and the our other 2 dogs are happy they have VPI for coverage. Me too !