I have had VPI now for eight years and have recommend it. People sometimes laugh when I tell them I have insurance for my pets. I always hope that I don't have to use it but when I had to they have covered most of my bills and payed promptly. My dog has had knee surgeries and now a tumor removed. I have a cat with cancer and two other cats in god health. If it weren't for this insurance I would have had to make a very difficult decision, one that no one wants to make. It took me a while to understand what was covered and what not. I learned how to read responses to my claims and submit the necessary documents for coverage, in the end I believed that this is worth it.