After 4 years with VPI Superior plan and no claims, I upgraded my Buddy's (Cocker Spaniel)policy to the Major Medical. Buddy was diagnosed with Lymphoma shortly after his policy was upgraded. We are grateful and happy he is in remission and doing well. I have found the VPI employees extremely helpful. The Sales Representative was very knowledgable and assisted me with my decision to upgrade from the Superior to the Major Medical policy. The Major Medical poicy offers several choices for deductables, and the plans provisions are easy to determine. I fax claims and they are posted online within a couple hours. Reimbursement is received usually within a week and no longer than 10 days.