We purchased VPI insurance immediately after adopting our 3-year old collie. The intent was to insure her against the expensive and unexpected, something all too familiar with our past two dogs. So far, we filed two small claims and are extremely pleased with our plan. The claims processing and payment was very prompt. We were also pleased with the reimbursement. Our vet knows how very satisfied we are with our plan. Would most definitely recommend VPI to our friends.