I have a policy for both of my dogs. So far only filed two claims for my older dog-one being an annual wellness vet visit and the other a dental procedure. After x-rays were taken, it was determined that the vet needed to extract additional teeth so the bill added up. VPI covered about 65%-70% for dental procedure after deductibles which I was extremely grateful for. This claim took a little longer(3-4 weeks) to process than the standard vet visit reimbursement which took about 2-3 weeks to process. Vet visits do not get reimbursed with the basic policy plan.