I have two dogs and one cat, and had all of them insured from day one with VPI. Had several claims over the years, one major one for my cat, who almost died of pancreatitis. The only negative thing I can say is the issue of pre-existing conditions. When we adopted our dog Bean as a puppy he had seizures. therefore VPI would not give us complete coverage. I hope they will consider changing this policy in the future. Other than that I've always been completely satisfied. I highly recommend VPI to all pet owners.