I have had VPI for over two years and each and every time I have needed to use my coverage, I have been very pleased with the ease of sending in my claims and the reimbursement process that can be viewed and followed online. At times I have needed to call in and each and every CSR has been very professional and made sure I clearly understood the reason I called. I highly recommend VPI pet insurance. I have done my homework and have found they are the best. For those of you who feel its not worth a monthly payment, you will be satisfied when you receive a portion of your total bill back within 2 weeks , and not get stuck with the total bill. Thanks for such a great service and company.