VPI seemed like a good company which is why I chose them. What you don't find out until your animal actually gets sicks is that they have terribly low max coverages. My cat had a life threatening disease that is very common, yet treatable. They only reimbursed me 1500 dollars out of a 5500 dollar claim. They were very helpful until I need them; then they pretty much told me I was SOL. This vet bill made me my credit plummet because of all the credit cards I had to take out to pay for it, and I will be eating top ramen for a year. They didn't care, they just wanted their monthly premuim. I immediately cancelled my policy, I would rather pay for it myself than ever do business with them again.