I have two dogs that are covered under VPI insurance. I recently took both dogs in to get their annual checkup and heartworm meds. I sent in both of the claims and within 2 weeks I received a check for one and two days later a check for the other one. Both claims were under $100.00 each, but the turnaround was fantastic. I feel safe in knowing that if my pet is injured or sick that I won't go into debt trying to pay off the bills. VPI will be there to help!!