I used to have VPI, and the difference between the two is amazing. VPI paid such a small percentage of my claims, and they took forever. I just filed a claim on 3/12, and it was turned around by 3/18! Pets Best pays exactly what they have promised, and there are no surprises about things suddenly not covered. I never write these reviews, but I really do appreciate this service, and I have been telling everyone about them. There are some bad pet insurance deals out there - VPI is one of the worst - and so I really appreciate that Pets Best has turned out to be as good as they seemed.