We use VPI pet insurence and it is the best thing we could have done. You pay upfront, and then you fax the reciept ad the dr. appt why he was there thing, and they send you your money; BUT...they claim they don't cover certain things, although they do. Jazmine got papaloma virus from another dog, and they said they would cover nothing. But i send in the form anyway, and i got ALL $600 back from them. So don't be afraid to send it anyway. I would highly recommend them, they are great. They actually now cover 100% of spay/neuter, yearly exam, dental or hearworm, and more. I would highly recommend them!