I chose VPI at the recommendation of a family member in the veterinary field & I am so relieved that I took her advice. We have a puppy that will eat anything that fits in his mouth. At 6 months of age, he ate part of a towel in his kennel & needed foreign body surgery to remove it. With our VPI policy, I did not worry that the surgery would be too much for our family to cover along with our every day expenses. The claim process was easy just an online form for me to fill out & a printed one for the vet. The reimbursement came in a timely manner too. I am grateful that we have the VPI policy & I would recommend it to anyone with a new pet in their home.