Our pet Rottweiler Greta recently injured her right rear knee (Cranial Cruciate Ligament) while playing in our backyard. Long story short, she required surgery to repair it, and is recuperating. Being VPI customers for about three years, we were somewhat apprehensive about our coverage and any possible reimbursement for the required surgery. But to no avail. We were notified by email almost immediately that the claim had been received and was being processed (approximately five days). The claim review process was handled quickly and a reimbursement check was in the mail in about another two weeks. VPI paid 90% of the Veterinary's charges, minus the $50 deductible per the contract, and we are very happy we chose VPI for our pet's insurance needs. We cannot say enough. We absolutely love VPI.