My 2 year old German Shepherd decided to eat a nerf bat and of course he needed emergency surgery to remove it. VPI paid the claim within a couple of weeks of me submitting the claim. I'm so happy I decided to get him insured! VPI covered exactly what was in my policy. Now years later, he has developed epilepsy. A 2 day stay in the hospital, neurologist bill, tests and meds was $1,400. I only wish the maximum benefit for epilepsy was higher than $300. His meds run that much for a month supply! Overall, I am very pleased with the service.