I am a VIP customer for over 8 years, I hade many dogs and very satisfied with my insurance. The last time I field a claimed was for my 2 year old Cassidy (boxer/Master shift)she torn her ligament the bill was over $1000 and VIP reimbursed me all, even the after care. I visit Helping Hands in Baltimore and got outstanding service. Cassidy is now back to her normal active life playing with her sister. Thank you VIP for always come thru with repaying my vet bills. VIP helps me also with my Vet bills that can put holes in your pockets with two dogs. If you love your animal you need to signed up for VIP so you can afford all medical care you need to keep you pet in good shape and healthy. The only thing I don't like is you have to wait so long for the re-imbursement.