I've been with VPI over 30 years. They are one of the pioneers in pet insurance in the US. I am a dachshund lover and over the thirty years I've had many, and never have I had less than two. Today I have four. Over the years there have been emergencies, three back surgeries, poinson insident, swallowed cassette tapes, you name it.VPI was always very helpful and even accepted physical therapy after back surgery. Over the years they have made the process of making a claim easier and easier. I now submit claims electronically. If you want a proven up-to-date pet insurance I highly recommend VPI.