L.S.
We've had several out-of-the-blue pet emergencies that have totaled in the $2k range so we bought VPI pet insurance. Then our dog had a bad reaction to a bee sting (we think) one weekend and we had to take her to emergency care. $1500 later, VPI only paid $60 of it. That was it, we canceled. When I shared this with our regular vet, he said that VPI is terrible. He has done extensive research on the matter and recommended Pet's Best Insurance because they pay 80% of your claims across the board. We've now had Pet's Best insurance for 2 years and have been very happy. True to their word, they have paid 80% of all of our claims and we've been very happy with them, for what it's worth. Oh, and we pay $22/month for our 2 year old dog.