I have had pet insurance with VPI for 4 years now. I initially signed up our lab puppy Jettson when we got her at 4 months of age. Then when we got Sasha a year later we immediately enrolled her. We couldn't be happier with the service we have received from VPI! We went with the Major Medical and the Core Guard coverage and have been very pleased with both. For all claims VPI is very quick in their turn around time, their customer service is excellent every time I call, and their website is easy to use. They have paid between 90 and 1000% of every major medical claim I have submitted. Whether it be Jettson's TPLO surgery and follow up, her emergency trip to the vet for eating rocks, or her having an allergic reaction and breaking out in hives, VPI covered them all. They did the same for Sasha's paw she sliced down to the bone. I think the biggest thing I like about VPI is the peace of mind it provides. I don't think twice about taking my pets to the vet because I know my vet will give them the best care they need and VPI will reimburse me for that care.