We have been with VPI for 3 years and I will never not insure a dog again! The policy itself is easy to read, the exclusions are outlined, and there is no question as to what will be covered and what will not. As an insurance agent myself, this is one of the best written policies I have reviewed. In regards to a claim, the submital process is quick and easy, you can review your status online and reimbursements are received within a few weeks with a full breakdown. My English Bulldog decided to chew a toy one night and swallow it piece by piece. We had a surgery that was at least $1,600. A huge chunk of this was reimbursed by VPI. We have decided to purchase the higher level of insurance which allows for reimbursement on annual check ups, heart-worm medicine, testings, out of state visits, neutering etc. - highly recommended if your pet is prone to the vet! This company is organized, responsive and upfront. There is NOTHING more you could ask for in an insurance policy. We LOVE VPI and its mission!