I have a dog insured with VPI and one with Trupanian, there is no comparision. Trupanian is a dependable partner in maintaining my dog's health, they respond to claims with an email confirmation, and I have had claims settled in under 24 hrs, never more than 3 days. Compare this to 2 weeks to 1 month for VPI. Claims are paid promptly, and at the level expected. I adore Trupanian and will be a loyal customer for future pets.