I just rescued my first pet ever last fall. I had no idea pet insurance even existed but due to prompting from a friend I looked into it. I did a little price comparison and VPI was much cheaper for me. I applied but didn't have very high expectations (I had crummy experiences with my own various health insurance companies over the years and have learned they are all lying scumbags, to be frank.) I have been extremely pleased with the very fast turn around time on my claim submissions and have been reimbursed more than I expected. I'm quite happy with VPI!