Over the years we have enjoyed the peace-of-mind for our 13-year old cat, Annie, and insured our puppy Katie with VPI just last year. We have always received prompt and fair payments, aligned perfectly with the policy. I can't say the same for either promptness or fairness of reimbursement for my own health insurance! The biggest claim we had was for Katie's exploratory surgery last spring. The cost was so frighteningly high that I couldn't wait to submit, but called VPI first. The VPI agent was compassionate, clear and completely accurate in terms of our coverage. I was immediately relieved regarding the reimbursment, which came quickly. Thank you, VPI! I have investigated other insurance companies over the years, and always decide to remain with VPI.