I have 2 dogs insured with VPI and have turned in numerous claims on one dog in particular; a German Shorthair Pointer that finds more ways to end up at our vets, either by getting bit by rattlesnakes, running through a barbed wire fence at mach3, or having harsh words with the neighbors dog. My husband says VPI probably rues the day they insured him!! I can tell you that I have such a piece of mind knowing I'll get @ 60%-80% back, depending on the service, and quickly. I've never had a problem with a claim. I am constantly recommending VPI to my friends with pets.
German Shorthaired Pointer