I have VPI insurance for both of my large breed dogs. I've only had to submit claims for their check-ups at this point. The reimbursement was fast and I pretty much knew how much I would be getting back before I submitted the claim. The only thing I'm not happy about it VPI's definition of a pre-existing condition. My Great Dane had diarrhea prior to coming on the policy so basically anything related to gastric upset will not be covered. That's a little annoying! Overall, the policy has proved to save me money so I'll keep it as long as I have my puppies!