VPI sucks. I was able to switch over my two younger dogs to Healthy Paws, the older one was stuck with VPI.
But it really is so worth it. My Pearl who passed in 2010 was diagnosed with heart disease and hypertension when she was 5-6 yrs old. We maxed out on claims for most of her life. So the insurance company wasn't too pleased having her as a client. She lived to 12 yrs old and passed from cancer.
Her sister was opposite. Funny but the insurance company didn't cover her because she had ehrlichia before I adopted her. Said she was high risk. She had NO vet bills until she was 12. Then she had one huge bill, OS amputation. that was $3000. So, for her I probably would have paid out way more than that over the years. Too bad VPI didn't insure her, they would have made enough money to balance off Pearl's claims. their loss.
I have Healthy Paws now. Emma hasn't needed it at all yet, but Tanzi has had a few 4 figure vet bills. For two dogs (age 5 and 7) I pay $116/month with 90% reimbursement and $100 deductible.