We decided to get VPI insurance when we brought home our 2 french bulldog puppies - unfortunately I picked up the policy for our female after we had her spayed. I learned with our male and had his policy in force before he was scheduled to be neutered. Our vet bill for the neutering was around $418 (including shots, flea medicine, heartworm, etc), of which VPI reimbursed us around $408. We have the wellness plan as well, which picked up the cost of flea/heartworm medicine. I received the reimbursement into my bank account within 7 days of submitting the claim. Very quick and easy!