I have a 19 month old, 130lb Newfoundland named Maximus. He is my pride and joy. I looked through dozens of pet insurance companies and compared down to the last detail. As everyone knows giant dogs mean giant vet bills because everything is calculated by weight. I chose VPI in February. Since then unfortunately Maximus has been to vet for unexpected accidents. I submitted 3 claims so far and everyone of them was reimbursed 100% and within 2 weeks!! I was ecstatic that VPI covered my boy so well. I am more than happy with this pet insurance. It is a blessing for me and my newf, in fact I recently added another Newfoundland to my family, Hatter at 10 weeks old and he will be getting a policy with VPI in the bear future ! Love VPI definitely recommend this insurance to anyone with a pet!