When I first got Jack I looked at several pet insurance companies and decided on VPI. At first Jack's claims were for his yearly checkups, but this year (2014) he suffered with pancreatitis, a nose fungus, a busted ACL where surgery was necessary and a torn meniscus - more surgery. VPI has been sending the claim checks within 2 weeks of filing the claims. Without them I would be deep in debt. Thanks VPI.