I've had VPI for my 2 Scottish Terriers for 13+ years and have been very satisfied. I have VPI Superior Coverage, along with the wellness rider and cancer rider. Until the last year, my dogs have not had major illnesses but whenever I had a claim, VPI was fair with the amount paid, as well as turn around time. A year ago, my 13 year old male was diagnosed with cancer and I will attest to the fact that it is money well spent to purchase the cancer rider. VPI has made it possible for me to provide the best treatment possible for my little guy and I would highly recommend them to anyone considering purchasing pet insurance.