I have had VIP since Kaos was 6mths old. And no matter how you look at it, you have to take your pet to the Vets. And the fact that I get almost all my money back is great. I just bring in a form they fill it out, mail a copy of bill and form on the same day and within a week I have my check in the mail box. You can't ask for any better then that. Its nice to know a little insurance can give you peace of mind.