We have two dogs and have had pet insurance for almost 4 years. We have had Pets Best for the past two years and like it much better than VPI. The reason we like this one more is that the emergency coverage is more up front with the 80/20 plan. What got covered with VPI was never very clear to us. With Pets Best, we always know that we will get some of our bill payment back. The only downside is that the plans we have Pets best cost more than the ones we had with VPI, but I would rather pay a little more every month for the peace of mind I get knowing we are definetly covered with Pets Best. The customer service with Pets Best is also excellent! We normally get repaid very quickly and I like the direct deposit option.