I've had VPI for over 10 years for my rabbits (no place to choose "exotics" so I had to pick a "dog" on the "type of animal) and have always had really good experiences with them. My last 2 claims were due to my aging rabbits. One is almost 11 and the other is at least 8, that we know of. Both are having kidney issues (Stones, sludge) and between the 2 of them I had spent $800 in less than 2 weeks of multiple vet visits. I received just shy of $700 back and was quite pleased. They have made taking care of aging, ailing pets a bit easier on the wallet and one less thing to worry about as I care for them. Thank you VPI!