I have had banfield and VPI in the past, but switched to healthy paws based upon the reviews I read on this site and I am glad I did. I have submitted two claims so far and have experienced excellent customer service (I dealt with Meredith and she was awesome to work with; she explained all of the details clearly and demonstrated sincerity). For two dogs, my monthly rate is $75/$100 annual deductible each pet. This particular insurance policy assumes a responsible owner will pay for all preventative care and office exam fees (roughly about $30-40), which I am in complete agreement; pets cost money, if you want one, there will be an assumption of financial responsibility. I recently fulfilled my $100 deductible after just two visits and from this point forward, will have 90% coverage until next year. This is a great plan for responsible pet owners who want peace of mind in the event your pet suffers from an injury or illness. My dogs get all of their annual vaccs and heartworm check, but hardly ever get sick, but this plan sure came in handy when my chihuahua developed ringworm and a tumor.