I thought I was doing the right thing by getting pet insurance have paid for two dogs for 14 years. My 10 year old dog became very ill the emergency room ran a bunch of tests to try to determine what was wrong with him. VPI only pays for the final diagnoisis which means that I was left with a hugh hospital bill that I was barely reimbursed for. I am not sure it was ultimately worth getting pet insurance as it might have been smarter to put the money aside. My dog had not been sick so over the years I have put in about 5k for him the hospital bill was 7k and VPI gave me 900. In this case I would have been better off just putting money aside. Not sure how to rate VPI since I haven't used other companies and don't know their policies.