I have been a VPI customer for over 7 years and have insured 2 dogs. Submitted claims have been processed in a reasonable amount of time and customer service is excellent. I feel that the reimbursement rate is fair and the annual fee is affordable. The 1st dog insured (Master, a boxer) came down with inoperable cancer at the young age of 3. Because of VPI, we were able to give him the best treatment to give him the best quality of life possible. I never thought "How much of this will I get back?"; it was always "Thankfully, we can do this for him". Athena, our Rottweiler, managed to slip in the mud and require surgery to make the repair. Again, I was grateful to VPI for giving me the peace of mind to ok the surgery without any hesitation. We will be a forever customer.