Tons better than VPI/Nationwide Pet Insurance

I originally was a customer of VPI/Nationwide Pet Insurance due to a large discount offered via my place of employment. However, due to various difficulties (claims always denied, limited coverage options for senior pets, and too many exclusion policies) with VPI over the course of 3 years, I finally canceled my insurance with them and chose to pay out of pocket for Pets Best. I have made one claim so far with PB and had absolutely no issues - claim was processed promptly, very easy to use their app, and received the 90% coverage reimbursement after co-pay and deductible. Yes, it was cheaper with the employer paid pet insurance discount in terms of monthly premiums, but I am getting more value for my money now paying the PB premiums and much more peace of mind.