I am happy with VPI. After reading other reviews I should compare VPI with other insurance companies. My two dogs and one cat have been with VPI going on three years. My cat is too old for coverage, wish they would add a SR plan. Every phone call to VPI was answered by a friendly person. All questions were answered and checks arrive in a timely manner. Some how I missed paid bills one month and my credit card had a hold put on it. VPI did not get paid, and they called before stopping insurance service for my pets. Explain I made a mistake and paid the wrong company and not the correct company. VPI said no problem. That was nice to hear will fixing my mistake. VPI has been great for my babies.