I have a small male dog who seems to find himself in trouble all the time. There was a period of time that my dog had to go to the Vet almost once a week for about 3 months for different things! One time was because he stepped in tar, another time he had an upset stomach, another time because he got stung by a bee and had an allergic reaction, etc. Every time I submitted a claim, VPI sent me check for the full amount in about two week. Never once did they complain or ask for additional information. I simply printed the form and sent in a copy of the Vet bill with the VPI form. It could not be easier. Buying this insurance was one of the best decisions I made that summer.