I switched to Petplan from VPI 3 years ago, following the death of my Weimaraner, Daisy. So many charges were denied and not covered relating to pancreatitis and pneumonia, that I received a total of 10% reimbursement. I was completely disheartened and frustrated, and then someone recommended Petplan. I cannot say enough nice things about them. Yes, it is more expensive than VPI, but it is worth EVERY PENNY. I get wonderful service from people who actually care about my dog, not just the paperwork. When I call, they always ask how he is doing. Best of all, they've made the claims process so simple, it is painless. Claims are handled very quickly, and they have been true to their word and agreement. I wish my own insurance was as effective! I will recommend Petplan to anyone. Thank you!