I joined VPI last October to get coverage for my German Shepherd, AnnaBelle. Nine days after my policy went into effect, we were walking in my neighborhood and she was attacked by a pit bull. I had to take her to an emergency animal hospital because my vet was closed. She was treated for a bite wound and paw wounds and given several medications. The bill was not cheap. VPI covered all of it but my deductible. Several weeks later, she developed a secondary infection at the bite area. VPI paid the entire bill on that claim. The claims were handled in a very timely manner; in fact, it surprised me how fast they were approved! I have recommended VPI to my family and friends. I have full coverage on AnnaBelle, and will re-new my policy every year. Also, I found out today that I'm being reimbursed a partial amount for her flea and heartworm medication. It's well worth the monthly premiums for the peace of mind for my baby!