I am a dog trainer and I tell all my clients to get pet insurance and the only one I recommend now is Purina Care. I use to have VPI for about ten years and when it cam to an emergency with my older golden they paid about 130.00 of a 687.00 dollar emergency room visit. They were not there in the emergency room, but they sat in their little room far away and decided what they would pay and that my wonderful doctor did not need to do certain procedures so they did not pay. If my doctor had not done what they did, Cody would have died. After 10 years of using them I canceled them on the spot. I now have Purina Care and I had to turn in some rather large vet bills from allergy doctors and heart doctors. I met my deductible and within less then two weeks I recieved 80 percent back. I train hundreds of dogs a year and I will tell everyone of my puppy owners about Purina. Thank you Purina!