Bella, our Rottweiler, is the 2nd pet we have had covered with VPI. We are extremely satisfied with our experience with VPI. Submitting claims is simple. I do it via fax machine. Their response time is within 48 hours and I usually receive payment within 30 days. I am thrilled that VPI is available. I have also used a competitor's insurance and was not at all happy with them. When we got Bella we knew we would go with VPI. I think they are exceptional!