My 6 month old frenchie ingested something that didn't agree with him. He was wobbling and throwing up, took him into emergency vet around 11pm on a Friday. He was kept there over night, and after paying $884 out of pocket! I was nervous I wouldn't be reimbursed. VPI sent a check with the full amount minus deductible faster than they said. I couldn't be happier. VPI has been outstanding from the time I called to set up an insurance plan for my puppy.