We insure 4 of our parrots through VPI. Avian health care is quite costly and without this insurance, hard choices may have to have been made. Twice now in the past 4 years we've had 2 serious illnesses which required hospital stays. Reimbursement is timely. If you have a dispute, they are willing to work with you to understand more of the situation. Would like a better multiple pet discount, I do have more that I could add.