I recently submitted a couple of claims for 2 of my 3 pets insured with VPI. Routine things, but detailed receipts involved. I itemized what I thought I could claim on the form and faxed it over. When I received my check I was delightfully surprised at receiving more than I thought. The claims department had not just read my form, they had gone through the itemized receipt attached and credited me with additional services I had not thought would be covered. This level of service is such a bonus and very surprising to me. I always have a good experience and I do find their claims process and service to be excellent every time. They go above and beyond in my opinion.