I have insured my pets with VPI since 1985 - 2 dogs (Robbie and now Popcorn) and 3 cats (Inky and Bootsie and now Tipper). They make it easy to submit claims via fax. I appreciate that they remember their birthdays. They have been empathetic when my pets have passed away. They have given me refunds based on timeframe when my pets have passed away and the installment due date.