I have had VPI for just over a year and currently have my two English Mastiffs covered. The claims process is so simple. We've put in several claims, since our coverage includes wellness check-ups, vaccines, etc., and it has always been so easy. VPI handles these claims as soon as they get them, as noted in the notification emails I receive within a day of submitting the claim via fax, and we receive reimbursement within two weeks. The coverage is great and so is the overall service.