We thought VPI was the best until our French Bulldog hurt his back playing. We had had this insurance since he was a baby and they were great for wellness checkups, vaccines and the like. When we really needed them for his care in very bad situation they must have found a loop hole saying these dogs were prone to back issues and refused to pay anything on his care. Mind you, he had NEVER had a back problem and he was 6 years old when it occurred. Needless to say we could not afford surgery, and he now walks with a sad little waddle. And sinks down if he stands too long.