Because of VPI we are able to have more services done for our Bassett Molly, we know we will get the money back so we put it on our credit card. We want our "baby" to have everything she needs, but sometimes you just can't take care of everything, especially when it is an emergency. Having this insurance gives us peace of mind and we do not worry about scraping up money for appointments. We just fill out a form, have the vet fill out a section of the form, submit it with our invoice and receipt and that is all! I always fax mine and get a comformation sent right to my email and the check comes fast!! We just put it right back on our credit card. Whenever I have called I always get great customer service also.