I've had VPI since Honey Bear was a puppy. After friends told us about spending thousands of dollars for spinal surgery for their dachsunds, it seemed like a good idea to look into getting health insurance for my dog. VPI has been fantastic over the last 14 years!!! From oral surgery, to coverage for various stomach ailments, not only has VPI always reimbursed - but they do it so quickly. Within two weeks of faxing in a claim, I get my reimbursement check!!! VPI is the best!!!