I have used VPI for 8 years with my dog Mia. I didn't have many claims in her younger years and sometimes I even debated having insurance at all, but I realized as she got older how important it is to keep it. I have a cancer rider, because she is a boxer and they often get some kind of cancer. She did and VPI helped pay those HUGE bills. I have submitted over $8,000 in medical bills and have never had a problem receiving payment from VPI. I would definitely recommend VPI so that you don't have to make a decision regarding your pets health due to cost.