I was away and my dog JD a Yorkie was staying at his favorite boarding facility. We got a call that he was ill, had stopped breathing and collasped. They rushed him to an emergency hospital. We came right home. JD was better but had to have extensive testing to find out what was wrong. Making a long story short JD is doing just fine and I was compensated very well and very quickly. I have been with VPI 10 yrs and I tell my Vet how good they are so he can tell others if they ask. I am very happy with my insurance.