My dog has been insured with 24PetWatch Pet Insurance for 5 years and I could not be more pleased. She was insured for the first 8 months with VPI and the first claim I filed was a total disaster and the customer service was terrible. We switched to PetCare (now called 24PetWatch) and this year have unfortunately had to make use of our insurance to the maximum extent. Our dog has severe Lyme disease with secondary kidney problems resulting in large bills for testing, bloodwork and hospital stays- and all of our claims have been handled thoroughly with friendly service. Note that our dog's diagnosis was in Jan/2012 and we are still combating this tick-born disease. She is doing great (seemingly cured), but the treatment is lengthy and expensive. In the past, I've questioned whether Pet Insurance was a waste of my money (my dog is healthy and not prone to illness or injury), but it has paid for itself 3x over in the last 9 months. I have ZERO complaints with my insurer. Please note: PetCare is the name of the Canadian Company. 24PetWatch Pet Insurance is the U.S. Company.