I have been with VPI for over eight years and I consider them to be peace of mind. My golden retriever is over 10 years old now and I believe that she has made it to this age, happy and healthy, partially as a result of the coverage I carry for her health and well being. VPI reps have always been helpful and responsive and claims have been processed quickly and I think fairly. Sophie was very ill just a little over a year ago, requiring hospitalization at a veterinary college here in Oklahoma, as well as numerous follow up visits with her own vet, and VPI allowed me to not worry about the money end of things and to focus on the recovery of my dog. I would say that at least 3/4ths of the final dollar figure was covered and was reimbursed to me very quickly. I know that others have not had such a good experience, but I have been satisfied with the coverage - the policy pays for itself with one catastrophic injury or illness.