I have 2 policies through VPI - the first policy for a little over a year, and 1 claim so far for the yearly visit. They paid EVERYTHING I expected them to pay. No claims on the other policy yet as we've only had the dog for 2 months. I received my reimbursement in less than 2 weeks - I faxed the completed form right away and they were very prompt and communicated via email as to the status of my claim. No complaints.