I have had VPI for my Golden Retriever, Harley, for the past 7 years. Harley has had back surgery and a spleen removed. In addition to the major events mention above, he has had skin issue and ear infections. I have never had an issue with the service or reimbursements from VPI. I am so happy I made the decision to purchase VPI and would not hesitate to purchase again for another animal. Having the insurance has given me "peace of mind" that I will always be able to provide the care my dear Harley needs. Thank you, VPI!