We have had VPI since Abby was 6 months old. She has been referred as the "Million Dollar Dog" because she has had issues from the time she blew out her knee cap as a puppy. She has been stung several times by either spiders or bees, she has had a few ear infections that have been treated and in the last year she was recently diagnosed with pancreatitis. We have been pretty happy with our claim service through VPI, granted that when you have pet insurance on your animal you have to understand that it is different than human health care. They pay out differently but without it you would be paying more out of pocket. They have been really good with a quick turn around on reimbursements and they explain the claim very well. It's also nice that you can check your claim online to see if it has been processed and look at your existing claims. Another thing that makes it nice is we have a veternarian that deals with VPI a lot so she knows how to fill out the forms when we submit a claim. I have recommended VPI to several of my friends & I would highly recommend them to anyone with a young pet.