After losing a treasured great dane to bone cancer at an early age after months of very expensive treatment, I vowed that future pets would be insured. (Our two remaining dogs were really too old to begin.) The current great dane puppy is unbelievably curious, active and trouble-prone---- by the time she was six months old I had more than recouped a full year's premiums (top of the line major medical) and would not be without insurance for any pet again. I chose VPI because my vet said it was the best, and I've not been disappointed. I have recommended VPI on a number of occasions to friends and even to people I didn't know well but happened to be talking with. We have really big dogs and anything which allays some of the expenses involved with their care is welcome, but for us VPI seems to have gone the extra mile. They pay promptly and have never tried to get out of paying what's been agreed upon, as so many insurance companies do. I'm totally sold on VPI.