I have had to make a claim 2 times for my Bichon's ulcerated eye which we have no idea how it happened. The vet said maybe from rubbing her face on an afghan and we have removed them from our house now and she has been good since! What a relief. The claims were handled within about 2 weeks with no questions asked and were paid to me. What a relief to have VPI pet insurance as the vet bills were quite high . They also cover the shots needed for her wellness. I only wish I had it for my last dog as she turned diabetic and I could have saved lots of money. I will never be without this insurance again as I love my animals and treat them like family. I would recommend this insurance to anyone who has a pet. They are the best in my eyes and thank you VPI!!!!