I had VPI as my first pet insurance. After spending $8000 on cancer treatment for my 5 year lab mix (RIP Jada), VPI paid out less than $2000. My vet office told me about Trupanion! I did not renew my VPI insurance on my other dog. I have only had to make small claims on my current two dogs (Stella and Buddy). Those small claims I received over 75% of my total vet bill. Buddy was hit by a car in February 2013, after emergency vet visit ($600) and oral surgery ($1900); Trupanion paid out $1700. I was so shocked that we recieved such a large return compared to VPI. The claims were processed in less than week! I will always cover my pets with Trupanion and tell all of my pet loving friends about them!