VPI is wonderful! I have no regrets especially having two chocolate labs! Very active dogs. My oldest has has two surgeries and he just turne 5! He tore his TPO and this is very expensive. Any reimbursement I received from VPI was welcomed. If there is a good company for the insurance of your animal it is VPI. Those that complain unfortunately may not have had experience with their claims. If you follow the form and submi the proofs there is no problem. I do not think in 5 years I have had one denial or one complaint! Love VPI.