We have had VPI coverage since our first dog was a puppy. They have always been very easy to deal with and very caring. They were sympathetic and caring when our first dog developed a fatal illness last year. It was the little things they did, cards, caring notes and respectful review of claims that helped us through. And then when our new puppy developed an intestinal obstruction earlier this year and required surgery, it's only because we had VPI coverage that we were able to proceed with the life saving surgery. Without the insurance, we would not have been able to afford it. Our puppy is now a happy, healthy 9 month old dog and is providing our family with so much happiness thanks to VPI! From our experience, the coverage is very worthwhile although we decided not to go with the routine well care coverage this time around as we usually ended up spending more on the insurance than the actual bills for her routine care.