Shortly after we became pet parents to Chloe, our Papillon, when she was 12 weeks old, we researched pet insurance. We knew that we loved and cared for Chloe so much that we were committed to making sure that she would have a long life ahead of her. After careful consideration, we chose VPI primarily because of the reasonable monthly premiums. In her short five years, Chloe has endured four bladder surgeries for stone removal, a torn bladder and a ruptured cruciate ligament surgery. Throughout all of these health issues, the claim process with VPI was done smoothly and efficiently. We agree that the reimbursement of services is not enough to cover surgery done by a small animal veterinary specialist, but it does help to defray exhorbitant out of pocket costs. We've come to rely on VPI for all of Chloe's health needs and hope to do so for the rest of Chloe's life.