We've had VPI pet insurance since Fangio was a puppy. He's over 11 now and, in the last year, the years of premiums have proven worth it. He recently had his spleen removed because of a mass on it (benign!). It cost over $3,000 and VPI reimbursed more than half of that. He's had numerous other unrelated trips to the vet for his arthritis and a broken toe. Each time our claim was processed within two weeks. The claims process is simple and quick. I am glad I went with VPI.