We have had VPI on our miniature Dachshund since her birth three years ago. During that time, we have filed 7 claims, mostly Well Dog check-ups, no catastropic events. All of our claims were handled expeditiously, and our reimbursements issued in a timely manner. The coverages we purchased are clearly stated in the policy and we are very happy with the service we receive and with the additional options available to us. Our total claim amount (for 7 claims) was $974.20. We were reimbursed $534.00 of this amount. We are happy customers.