We have had VPI for about 7 years. We have put in so many claims I have lost count. Our Maltese have dealt with eye, ear, stomach upset, bee stings, dihorea, luxating patellas, anel glands, an absessed tooth, a reaction to a bug bite and some kind of rash. VPI has helped us thru everything. If I call someone will always get back to me if they can't answer the question right then. The only thing that wasn't covered at all was the luxating patellas. $1,600 per leg. Wow, I wish that was covered. A few little problems arose but all were either paid or explained to my satisfaction. We always recommend VPI to our family, friends & neighbors even a few complete strangers with new puppies in Pet Smart.