I have had VPI insurance for my 10 year old Jack Russell-Rat Terrier Bailey for 9 years. I can say I have been very impressed with all aspects of this company. The coverage has been great, the response to claims is very expeditious and the customer care department very helpful. Having the insurance gives me peace of mind that if anything major occurs with my dog, I will have financial help with the bills. I actually got the insurance after one of my cats developed fatty liver disease and cholangiohepatitis and had to spend a month at the specialty vet on a feeding tube- to the tune of $10k. I promptly got VPI for my dog when this happened...they have really been great!