I haven't had the time to shop around for pet insurance but I can say that over the years, I have had 3 Dachshunds and 2 with major back problems that required surgery. Without VPI, I would have to have thought about letting go of my pets. But the Superior Policy has kept me in the loving Dachshunds mode as I can rest comfortably that if the surgery bill exceeds thousands of dollars (which it has) that I will get a substantial portion returned to me by having VPI Insurance. What I like most is that they are hassle free and pay the claim within a reasonable time. You just take your claim form with you to the Vet, he fills out a little info, signs it and either you or the Vet faxes it to VPI and that is all there is to it. You get your reimbursement within a short time thereafter. There may be cheaper premiums out there but I have never had a problem with VPI Insurance and would highly recommend them to friends (which I have) and recommend them to the readers of this post.