We first purchased insurance through VPI back in 2006, when we got our Ibizan Hound. She has been covered from puppyhood and we are very glad we chose to insure her. Every claim we have filed has been promptly handled and quickly reimbursed. Knowing that we will be getting reimbursed for a good portion of our vet costs is wonderful - we would provide the best of care for our dogs no matter what, but knowing that we don't have to worry about financial issues offers enormous peace of mind. Our most recent claim was for reoccurring gastritis. We were able to submit our claim via email and we had our reimbursement check within about a week. We were also able to follow the progress of our claim online. We used another insurance company for another dog. We chose that company because she had many pre-existing conditions and we only wanted accident coverage for her. At that time, VPI didn't offer an "accident only" plan. The other company was horrible! We only had one claim and getting reimbursed was like pulling teeth. They tried everything they could think of to avoid paying what they clearly owed us. We have never had any such problem with VPI - they always handle claims promptly and we have never had any problems. I absolutely recommend VPI to anyone with a pet. The peace of mind provided by coverage is worth the premiums!