I obtained a policy almost nine years ago for my dog, Bailey , after I saw how much out of pocket expense a friend of mine had for her two dogs because she had no insurance. Luckily, I have only had to make a few claims with the company. Although one was not covered because the diagnosis revealed a congenital problem, the other two claims were covered. VPI was very speedy and efficient in processing the claim, and I received what I considered to be fair reimbursements in both cases. I'm glad my baby has this coverage.