I have had VPI insurance since my dog was a puppy. He has had 9 surgeries and other various ailments. My payback greatly exceeds the monthly premium. My dog has just finished radiation and is now on chemo. Without VPI, I wouldn't be able to afford these treatments. The claims are usually resolved and paid within 2 weeks. I have had to call to find out why a procedure wasn't covered and have had excellent customer service. Usually it is because of some documentation that is needed, and once it was submitted the claim is paid in a timely manner. It was the smartest thing I did when we got our dog.