I have had 2 rabbits and 1 cat insured by VPI. Claims have always been handled accurately and in a timely manner. Having coverage has given us peace of mind. The cost of the rabbit (exotics) policy is low and well worth the investment even if the pet goes to the vet average once per year. I have used VPI to help pay for the following for my rabbits: gastric stasis (aka ileus), e. cunniculi, infections, and torn nails. For my cat, I have used VPI to help pay for treatment of an abrasion. Unfortunately, the policy didn't cover the cat's dental work. Would be wonderful if "pre-existing conditions" were covered".