We have three cats and got our first pet insurance policy when they were each about 4 months old. We tried 3 other pet insurance companies before settling with VPI and have had VPI insurance for about a year. Cautionary note on all pet insurance: You have to read the policies and know exactly what is covered to really understand what you are getting. Through trial and error we became informed consumers. We thought VPI offered the best option for the money. Our Molly, a calico kitten (feisty and mischievous) joined our family when she was 4 months old (rescue kitten) and in the last 8 months she has been to an emergency clinic or to the vet on an emergency basis at least 5 times....curiosity almost killed this cat several times! We filed our claims with VPI and they were handled promptly and fairly and if we had a question VPI was willing to review the claim to determine we were adequately reimbursed. In our own opinion, we are very comfortable with the product and service we receive from VPI.