VPI is all that it says it is and more. My Daisy became quite ill with acute pancreatitis which has left her diabetic. I submitted the claims for the care she received (which is a very easy process with VPI!), and I received my checks within two weeks. And they paid what the policy said it would pay! I was very pleased. Also, when you call them, the staff is so nice? I'm glad we have VPI for our Daisy!