After seeing what my sister went through (cost-wise)at a pet emergency hospital that maxxed out her credit card, I decided to get pet insurance. I didn't know where to start, but a VPI ad came up on my home page and I decided to give it a try. The application form was easy and gave me a price quote right then and there. It also offered different types of coverage. The next year, my cat had to have 2 teeth extracted, which involved pre-op tests, surgery, stitches, antibiotic, etc.. The staff at the vet's helped fill out the claim form. A very positive experience for me, overall.