I have four dogs and I can't afford to be without pet insurance. I chose VPI based on the longevity of the company and on referrals from our vet. After speaking to the people in customer service while joining, at first I thought, "yeah that's just how they are in the sales department." But I've had other questions and each time I call I get really good advice and really friendly people. I met my deductible in one visit with one of my dogs and got a check in about 5 days. The next visit with the same dog was totally covered. No hassles no questions. I got a check in about 5 days. So far this has been a great experience. I have no complaints and look forward to being able to get the care and coverage for my dogs from VPI.