We had a series of claims as our dog has been in bad shape for the last couple of months. We got a cheque in the mail in good time for each claim with a clear summary of what was covered. We hit the limit for eye coverage and bulldogs hips and knees aren't covered, but we knew this. They provided the service we signed up for fair and square. Most pets wouldn't hit the limits, we just had a run of bad luck. I'd recommend VPI. They deliver and have reasonable prices. We'd be broke and our dog would be blind without them. If I could improve the service I'd only suggest that they offer comprehensive coverage regardless of breed predisposition to certain problems. I'd be willing to pay a higher premium to have the peace of mind that everything was covered. Other than that I can't complain!