We have 3 dogs and all 3 have needed services this year. One cut his foot on something and needed care for several weeks. Each time, VPI came through within 2 weeks. One had pancreatitis, requiring a stay with an IV overnight and my oldest was diagnosed with liver disease. Each time I've had a claim they have handled it quickly, fairly and consistently. I would definitely recommend them to anyone with a pet. I have found my pets to be more expensive than my kids!