Easy to file a claim and reimbursed quickly (within 2 to 3 weeks after they receive the claim). I recommend VPI and will get again for our two new puppies when they arrive. My dog Max was covered since he was 7 months to the day he died at over 14 yrs old this March 2015. His coverage was the Superior Plan with Cancer Endorsement plus CareGuard Core Coverage with no medical exclusions. This year's cost was about $81 a month. Yes, it was on the expensive side but I wanted to be covered for the major expenses. I think when I first got it over 13 years ago it was $40 per month. His last bill was over 1,300 and VPI paid over $900. Through the years, when I did remember to file a claim, VPI reimbursed me about 30% to 50% for routine vet visit and medicine because I added the CareGuard Core Coverage. I simply faxed them the pre-filled Claim form which I could get anytime from their web site with the receipt and details of the bill I paid. I never had a problem. There's no time limit on when you can file a claim. I filed the last claim two months after I paid it. They even canceled the coverage when they saw Max had died without me having to tell them. If I had to name one improvement they could do, it would be for more details about my policy such as my monthly cost on their website. However, whenever I had a question about my policy, I could call them or email them and the response was quick.