We got our first dog (English yellow lab puppy) last year after many, many years of not having dogs. Back then, when we had dogs, there was no such thing as pet insurance. When we decided on a lab, everyone we know recommended pet insurance because they advised us that at some point, the puppy would eat something he shouldn't eat and surgery might be necessary. While I'm happy to say that hasn't happened, we found pet insurance to be invaluable as our puppy had stomach issues very early on and many tests needed to be performed in order to diagnose the problem. My VPI claims experience has been wonderful. All of my claims have been processed in a timely manner. I really like that I can submit claims online. VPI's online submission process is very easy and user-friendly. I was very satisfied with the reimbursement I received. It was such a large, unexpected Vet bill so getting such a great reimbursement and getting it so quickly was great. If you are wondering if you should get pet insurance or not, I would definitely recommend it. Pet insurance is definitely worth it and VPI's premiums are very reasonable. I did a lot of research before deciding on VPI and I can tell you that I am very satisfied with VPI's offerings of different insurance coverage, claims process and customer service. Thank you, VPI.