I have had a VPI Superior insurance policy for approximately 1 year for my little Shih Tzu Rocco. I have submitted several claims during the year due to skin allergies and a sprained leg. the claim forms are very easy to fill out and submit and the reimbursement took approximately 3 weeks (pretty fast). You can also manage your account online, which I love. Until now, I have had a great experience with VPI. It gives me great peace of mind knowing that my furry baby is insured in case of an accident/illness. I have already recommended VPI to many friends and family, in my opinion this is a great investment.