I have had VPI pet insurance for three years. I decided to get it after my puppy spent more time in the vet her first year of life than at home--she had so many skin issues and it cost me so much money. Since then, she hasn't had too many issues with her skin but has had two surgeries, along with her annual appointments. VPI has always received my claim and issued me a check promptly and it's always a sufficient amount. You end up paying a monthly fee for pet insurance but when you go to the vet and your bill is $600 and you get $480 back, it ends up being worth it. I usually break about even but it's a lot easier to swallow than coughing up $600 when you didn't expect to. I think VPI pet insurance is great and would definitely recommend for pet owners!