I have submitted several claims since 2011 (my cat Daisy has Diabetes and requires insulin on a daily basis. Insulin and syringes are expensive (syringes 30 day supply). VPI has a yearly allowance for this included in her policy. Sometimes claims are paid in a timely manner other times it takes much longer. Also, it would be great if this insurance was handled like human insurance - claims to be submitted to VPI for direct payment instead of out of pocket first. Those are my only complaints.