My puppy had to have a relatively major surgery on her leg, and I was waiting on the reimbursement of $1800 from VPI for nearly 2 months. I constantly checked status online, and noticed one day (after about a month) that the claim was declined/put on hold because VPI needed her previous medical records. I immediately had the vet fax them in, and the status online was never changed/updated. I had to wait an additional month before I finally received the reimbursement check. I did eventually receive the full reimbursement, but it took way too long.