Yowly Cat's first accident at 3yrs old broke his right rear leg in numerous places, requiring the services of an orthopaedic vetenary surgeon and 3 months of care to return to health.Ipurchased VPI shortly after he completed his treatments. The bill was in the thousands of dollars. He is now 14 and in the and in the last 10 years has suffered from bladder crystals, tooth and gum disease, high blood pressure, and stage 2 renal failure, requiring maintainence medication. VPI has always processed my claims in a timely fashion and in many cases, the reimbursement has been more than I anticipated. I will continue to insure Yowly as well as our newer addition Percy (Siamese) because as I have learned from experience, you never know when major accidents or illness will strike. When it does, you cannot afford to be without insurance to get the best medical care available.