We have had our dog insured through the VPI Superior Plan for the past 5 years. Dexter has had a number of major surgeries (cancer, foreign object, torn ACL, etc) and VPI insurance has really paid off! The submittal process is very simple and we like being able to track the progress of the claim online. VPI has been very quick in processing our claims. We are happy customers! My best advice is to enroll when your dog is a puppy.