Having been a long unsatisfied client of VPI, I knew I wanted a change when I rescued my next dog. The Cage Free Canine rescue suggested Healthy Paws, so i took a shot. On of my girls injured her ACL and i was expecting the same lack of service I had encountered with VPI but much to my surprise, Healthy Paws coverage and timely reimbursement was amazing. I pay a higher premium for a lower deductable and greater amount of coverage and couldn't be happier. I can't recommend them enough and look forward to being a long time client.