We were insured through VPI which is now Nationwide for us. So far the insurance policies seem similar. We live in Silicon Valley and maybe care is more expensive here. The insurance covers a portion of our expenses, but is still helpful to us. When I had VPI, there was an upgrade option for more coverage, which would cost more per month as well. When I spoke with Nationwide this was not available. VPI also had a discount program with PetPlus.com and I'm not sure if Nationwide has that too. It's a great place to buy pet medications. I'll have to ask them about it.