I have had VPI coverage on my cat Moose for about a year. After having CRF issues with my previous cat with no coverage at all, we decided to play it safe and get pet insurance. VPI got a great recommendation from my Vet Tech. She has it on her dogs. We got the best policy VPI has. They paid for a nice amount of his wellness exam in Feb. Then right after that, he got a URI. They paid a nice amount for that. We are very pleased with the service. We got our claims paid quickly.