I have been completely satisfied with the coverage my 3 pets receive from VPI. Every year I debate whether to renew the policies, every year I DO renew them, and every year I'm glad I did. Submitting a claim is completely easy with the pre-filled claim forms. It is also a nice thing not to have to get the vet's signature. Claims are processed quickly and the reimbursements seem fair to me. The low deductible is wonderful. Another nice thing is that there have been a few occasions when I have had a claim wrongly denied, and when I call to clarify why it was denied, I am told to just re-submit the claim. I don't have to go through a whole process of submitting vet records, etc. On every occasion, the claim has been re-processed correctly. So I always feel like the folks at VPI are very reasonable and really pay attention to the claims you are submitting. I never feel like I am dealing with unnecessary red tape. I have recommended this company to many people and will continue to do so.