I have had many insurances over the years Many were great but went under. One went under leaving me with three eight year old that no other insurance would then pick up. Others said they paid up to 80% and never paid more than 50% I decided the very next dog would go with VPI from the beginning. So within the first week I insured her. VPI is doing something right and have been in business for 31 years. When I call with a question you actually reach a person and they are super friendly and helpful.