I have so far been happy with VPI. I've made several claims, mostly for small things, but payment has always been very prompt. I don't have any experience (yet) with large claims. My only complaint at this point would be 'pre-existing conditions'. Before I enrolled in VPI, I had to take my dog to the vet due to a bad case of diarrhea. When my dog was sick a couple years ago from something she ingested which caused diarrhea, my claim was denied due to the pre-existing condition.