I had to take my Bichon, Tina, to the vet because she was having trouble breathing. The vet discovered that she had an enlarged heart and fluid was filling in her lungs. The vet bills were not cheap and I was worried about how long it would take to get a check. VPI processed the claim and I was sent a check for all my expenses. I had already met my deductible. Pet insurance is similar to auto insurance and home owners insurance in the way the policies are written. I had never had pet insurance before so I had called and asked what helps process the claims quicker. The vet notes with the bills help processes the claim quicker. Every time I have called with questions everyone has been very helpful and has been able to explain everything to me.