VPI has been great to my pets and I. I have had them for over 7 years. The overall experience flows really well. The paperwork is filled out by your vet, and you just have to send a copy of the bill and the form either by fax or mail. Once they receive, it is then processed. The process is alot faster then you would expect. The people are always friendly and happy to help when you call. I only have accident and illness on my two dogs, but it has paid for itself. I wish they paid out a little more, but over all it has been very helpful.