I have a 3 year old Pomeranian named CODY and have been a VPI Pet Insurance holder since he was 8 weeks old. I'm very satisfied with VPI. They are very quick to accept and pay on insurance claims and the staff is very pleasant to work with. One day when CODY was 1 1/2 years old he became very sick and was vomiting non stop. I took him to the vet to have him examined and was informed that he had some kind of foreign object in his stomach. I took him home with the hopes that he would pass whatever was in his tummy, but he continued to get worse. Later that day, I was driving to the ER with him and the vet performed emergency surgery on him to remove the foreign objects. The Vet found hard plastic & toothpicks in his stomach. Poor little guy was so sick... the Vet saved his life! If he would not have had surgery he would not have passed the plastic & toothpicks and if he did pass it could have punctured his intestines causing additional damage and possible death. VPI was a real help with this medical bill. Cody recovered and most of the money we spent on the surgery was reimbursed. Parents and the Pooch were very HAPPY! Thanks VPI!