As the owner of a VERY active & accident prone dog - I have submitted numerous claims in the 2 years that I have been a VPI policyholder. I have found them to be nothing but consistent in the way they operate. I like that I receive a confirmation notice that they received my claim, and that the entire process is completed in a timely manner. The forms are easy to follow & simple to fill out. I have called the company on 2 occasions (I had questions) and both times was met with friendly & helpful employees. They spoke clearly, were very educated on VPI policies, and obviously animal lovers. I recommend!!