I've had VIP for my dog for about 8 years. Fortunately I didn't have to use it frequently. In December he was diagnosed with histiocytic sarcoma in his hind leg. He has since had an amputation and is currently undergoing chemo. All claims have been paid in a timely manner. One claim was denied but VPI told me exactly what to do to have it reviewed. Once reviewed, I received money for that claim also. Will never have a pet with VIP.