It is very difficult to compare pet ins fees/coverage. If they all would all make it easier to compare apples and apples, it would be helpful. VPI has been OK with claims for me. I do think it may price itself out of the market if it dosn't take into consideration higher vet costs and the state of the economy. As well, it seems likely that as more people invest in pet insurance, more vets raise their fees because they KNOW that! Suggestion: elderly and/or low income discounts on VPI insurance.