Have had VPI since Rio was a pup. He has been healthy and no need to see the Vet other than his regular checkups. On his senior checkup at 7 yrs old, vet discovers that his liver functions were high. Had to run several blood draws, fasting and two hours after eating. Has had an ultra sound of the liver to determine if he had cancer. Thankfully, he doesn't. Now they want to do a liver biopsy which is scaring me a bit. Anyhow, I have spent over $1350 the past 8 months, on specialists, tests, medicines and the like. Received back $1018 in paid claims. All claims were paid within two weeks. I love their website and their online claims. Have recommended the company to many of my family and friends and will continue recommending them. Great company to work with. Knowledgeable customer service agents clarifying what is and what is not covered. We have Major Medical.