We have had VPI insurance for 12 years on our Bichon Frise, Abigail. I find the claims easy to complete and reimbursement quick. I have seen an increase in their reimbursement policies over the years and am glad to know they listen to their insured. I have always found the staff pleasant and knowledgeable. I will continue to insure my pets with VPI. It gives me a great sense of peace.