I first bought a policy 10 years ago and now all of my dogs have policies. I've had several large claims over the years $1500-4000 and my reimbursement has always been very high. They reimbursed $3200 of the $4000 bill. It has been a lifesaver in emergencies and the Liam's process is very simple. My mother has another pet insurance and her reimbursement rate isn't even close to VPI. The staff are super nice and helpful with the claim process and will help you to maximize your reimbursement! They are fantastic!