I've had VPI since my Shar-pei was about (or less than) one years old. I am pleased with the ease of submitting forms, and the amounts I've been reimbursed in a timely manner. The only complaint would be that VPI does not cover specific illnesses that are common to particular breeds, however I don't know if this is the case with all pet insurances or not. For the most part I would definitely recommend VPI to pet owners.