Our Bulldog, Ot has had to have two major surgeries since we signed up with VPI. He had to have his ACL repaired and had a foreign object removed from his small intestine (yes, part of a hockey puck). Both times, the process was simple. After I submitted the claims, they were processed quickly and I received my checks in under two weeks. I felt the reimbursement/fee schedule was appropriate based on how little I pay each month. Overall - I am very satisfied. VPI is the best decision we ever made; for our dog and for us!