Had VPI for many years. They were painfully slow and nit picked everything. Then they have a payment schedule that is not realistic. I switched to Healthy Paws. Best move I made. They reimburse you 90% of what your vet charges. There is no schedule . There are no caps on lifetime payments. You pay one annual $200 deductible and then they pay 90% of what your vet charged you. I send in my claim by email and it is processed within the hour! How amazing is that? VPI would take weeks to process your claim. Yes, the premiums are a little higher, but as the old saying goes "you get what you pay for". With healthy paws you certainly get your money's worth and the people there are the nicest as we'll.