VPI has a variety of services depending on what you need for your pet. But, I would say you get what you pay for. If you pick a cheaper plan than you have less coverage for your pet. I picked the 2nd highest plan. I have found that this will be most beneficial to me if something (heaven forbid) bad would happen to my dog. So, I feel the $500 a year is better than a $2000 or higher vet bill for a surgery. Their website is very extensive and explains what is covered per plan. I'm glad I went with VPI.