Ok insurance, confusing, and low payouts

Out of 10

I have had VPI since I got my puppy at 8weeks old. She hasn't had too much major work. But they really look for ways not to pay for things. They have exclusions for just about anything. Very confusing on payment schedules. Very very low payouts, I am switching to Petplan USA when they become available in Massachusetts. Example of payout, vet bill is 222.00 they reimburse $117.00 my deductable is only $50, so the rest they say is exclusions. I have superior plan with wellness premium (highest coverage available). Petplan USA I have since researched, and they cover alot more for same amount, 100% coverage so I only have to pay deductables.

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