We've been VPI policy holders for almost 2 years. We applied for and got both the regular policy + the wellness policy for our pup Jackson when we adopted him and are very happy with it. Claims for routine exams, shots, tests & yearly flea/tick/heartworm control are very easy to submit and are reimbursed quickly. It's nice to get some money back - even on these smaller ticket items. It's also well worth the peace of mind we have knowing that if anything were to happen to him requiring surgery or other pricier procedures, we're covered for portions of that as well. I've never had pet insurance from another carrier, but our experience thus far with VPI has been great & I've recommended them to friends & family with pets as well. Definitely worth the monthly fee for the overall peace of mind!