Healthy Paws is by far the best pet insurance out there. They are NOT all the same. I had VPI for many years and they didn't come close to covering what Healthy Paws does. I receive my reinbursement check from Healthy Paws within 1 week and the claims process is super easy. VPI made everything a difficult process and only ended up covering 30-35% of my actual bills. With Healthy Paws, I get reimbursed 90% of my actual bill not according to an unrealistic "benefits schedule" like VPI. I will insure every pet I ever own with Health Paws without a second thought. Because of Healthy Paws, I was able to get my Bulldog a hip relplacement I could not have otherwise been able to afford. I usually don't spend the time writing reviews, but I really want people to know that Healthy Paws is the best pet insurance they will find. Even if it costs a few dollars more, it is absolutely worth it. I truly can't say enough good things about this company - I am so happy I found them after my terrible experiences with VPI.