I signed up for our Pet Plan insurance policies a few years ago, and until this year have not had occasion to use either. Before Pet Plan, I had VPI, which for what it was at the time, was certainly "better than nothing". My expectations of Pet Plan were about the same, and WOW! was I wrong! From start to finish, they were great! Throughout the time that Macy had her elbow surgery, the only thing I did NOT worry about was money. Pet Plan had it handled, quickly and painlessly! Even the vet offices I went to were surprised at how easily and diligently, our claims were handled. Thank you, Pet Plan! I will always recommend your service!