I have had VPI for 4 years, and could not be happier with them. While they don't cover everything, they cover a great deal. I did have coverage with another pet insurance company and was very dissatisfied. When I adopted my current dog, my vet recommended VPI. It is very easy to submit my claims (my current vet sends them in automatically, but I have also had to submit them myself), I receive payment very quickly, and the customer service is outstanding. It is absolutely worth the monthly premiums - it gives me peace of mind knowing that my dog is covered if there is an emergency, and I don't feel like I'm making decisions based on the cost of treatment.