I have never had another insurance policy for my pet, but I have greatly appreciated having VPI. When my cat required surgery for eating a toy (argh!) they covered about 3k of the 4k bill. I wish they had more allowance for diagnostics, but I really appreciate how upfront and clear they are. The excellent, friendly, and compassionate customer service is wonderful. They don't sneak around loopholes trying to trick you--everything is laid out, and if you read it, you know exactly what you're getting.