VPI is the best thing that I could have done.. for my pet and my finances. I enrolled last October and while I was a little disappointed with my first claim which VPI deemed as pre-existing skin condition I kept the policy. Was I glad I did. A few months later... my dog chewed and swallowed a plastic toy while at a friends. It was over 2200.00 and I received 1800.00 VPI promptly reimbursed my claim submission and saved me from what could have been a financial disaster. It is the first time that I have purchased pet insurance and I will be a loyal customer from my wonderful experience. VPI agents were helpful with any questions that I had and certainly made the best of a terribly frightening experience. While the premiums may be high...it is worth every penny. Thank you so much..my pet is doing well and in good health.