I was recommended to VPI by many people. nevertheless I researched all the other companies before agreeing VPI was the best. I decided to purchase the max.insurance : ",just in case" even though my dog was still a puppy. I have had to make 2 claims, both for dog bites. One required surgery. I received 90% of $ 646 for the first and 100% of the second claim for $325.I could not be more happy, especially as the claim was paid in a couple of weeks.