I enjoy calling VPI. They hire the most wonderful and caring staff you will ever find. They always ask about your pet(s) and they are even willing to listen as you ramble on and on about them. They send out Birthday Cards to your pet(s) and Christmas cards too. They truly care! I have NEVER had any problems with coverage. Super simple. Make copies of your form and give them to your Vet's office to keep in the file. Our office automatically fills them out and sends them in. All I have to do is go to the Vet's office and go home and await our reimbursement! What could be easier!