We are very happy with VPI, we have a puppy and knew that pet insurance was a MUST. They have been very helpful and prompt! We have already submitted 2 claims (puppies eat a lot of stuff they are not supposed to :) and we were reimbursed right away. We have a deductable of 100, which I would recommend. That way you are more than likely to have that on hand instead of a HUGE amount that you have to pay out before your benefits kick in. Over all we are very happy and will continue to use them for years to come!!!!!