I have been a VPI customer for many years. all insurance is sometimes expensive, but when you really need it, VPI helps you. We have had 3 instances (all different pets) in the past 4 years that dug into our wallets (but we didn't think twice about it-our pets needed our help). when submitting claims, VPI was easy to deal with, and responded with large refunds in a timely manner. we were thrilled we got back as much as we did, especially a certain leg surgery. I hope we never have to be without animal insurance..