VPI insurance is the best around. I have had this insurance for 3 years for my pug. It is so easy to utilized claims service that they have set up for their clients. I fax them in my claim and within 7 to 10 days I have gotten back either a refund or why that particular claim was not paid. I would not trade them for any reason and if I ever have to replace my dog, VPI will be the 1st company I call to get a quote on my next dog.