My 11 month old Husky mix, Ditka, had to have emergency surgery for a bowel obstruction. The total ER bill was about $4,200 and I was reimbursed about $3,650. I received my reimbursement check in the mail in 3 weeks. I also received a follow-up email from one of VPI's customer service reps who wanted to know how Ditka was doing. While I have only had VPI for Ditka for the past year, my family has been with VPI for well over 8 years for our other pets. We have always been very pleased with the reimbursements and the time frame in which claims were processed. The representatives are always very friendly on the phone and seem to have a genuine interest in our pets' well-beings.