I am a big fan of pet insurance. My company offered VPI at a discount so I swtiched one of our dogs to VPI to try it. On the 7 claims I have had with VPI, every single one of them required the vet to submit more records. 5 claims were denied. Three of them, I put through the review process and only one of those was subsequently paid (after two reviews). In short, I received three payments for my claims. The amount I spent on insurance would have easily covered my output for the dog bills. Bottom line, AKC has paid nearly every claim with little to no hassle. VPI has nice customer service but what's the point of nice people who just say no all the time.
Cavalier King Charles Spaniel