Getting VPI for our dog Lucy was the one of the best things we've ever done. Even though Lucy is very young and we got her as a rescue at 12 weeks in November of 2012, you never know. She ended up with acute pancreatitis in March of 2014 and the bill was over $1500 for one night at the emergency clinic. VPI paid $1300 and I can't tell you how much that helped. They are very quick to review claims and get you your check. I will always carry this insurance for any pets we may have. Completely satisfied customer !!