VPI has been great for us! Our dog has had many medical issues over the last few years including ACL surgery, an amputation and cancer. Sure everyone wishes insurance covers more but the coverage we received for the premium we pay it has been extremely great!!! Customer service has been helpful and very understanding when we talk about our pet. The response time when submitting a claim has been fast.I have been recommending this to others and I would recommend this anyone. Thanks VPI