We are satisfied with VIP. We wish that the claim paid what the vet charges but VIP is clear on what is paid and what is not paid. We have two dogs. One has been enrolled when we first picked her up. The other dog has been covered for eight out of her eleven years. We have had claims for both dogs. Clarims are processed fairly quickly. We understand the $50.00 deductable per illness but wish VIP covered what the vet charges. I would recommend VIP to others.