I have had a policy with VPI since 2006 and I have not once been disappointed. I learned the policy & worked within the policy & I believe I have had maximum reimbursement & am very pleased! The customer service has always been great & the reimbursement has been quick & accurate. I'm very glad to use the insurance of this company and often comment that I wish my health insurance was as good & easy as my pets! Love the policy portal, various options for sending in claims including email now, and the updates on the website about my claim. Great value!