I have a 5yr old Parti Poodle that was given to me 3yrs ago. Outside of his regular yearly check-up he has visited his vet 3 other times this yr for tx. One of these he had to stay overnight due to eating something in yard that made him deathly ill. All of these claims were handled promptly and the reinbursement was as outlined in my policy and arrived within the month services were administered. I was w/another company for a yr and did not care for them at all. I have been with VPI for past year and just renewed for another yr due to the effecient and professional staff. I would recommend this company to anyone looking for pet coverage.