I have had pet insurance for the last 9 years. When I first looked for it VPI was the only one out there. They were good for the first 6 years and then I noticed changes - very, very slow in paying, limited amounts towards a condition and very picky about what was covered and what wasn't. Very snippy on the phone when I've complained. I did some research and after being on Petplan for over a year I am so happy with this company. Not only do you get to choose your coverage, they pay unlimited amounts after my $50.00 deductible. We have a 2 year old Biewer Terrier who has on-going UTI infections and has bladder stones and I am thrilled at the quick payments we've been getting and cannot stress enough that this is the BEST company I have dealt with.