When I researched moving my two to new insurance companies I narrowed it down to Healthy Paws, Trupanion and Embrace. Lots of options and pricing. I did not take my 10 yr old off of VPI because of her age.
But I did have a chance to compare apples to apples last year. Opal (VPI) and Tanzi(Healthy Paws) both got into the same trouble. Both went to the ER just 3 hrs apart. Their crates were side by side. Same hospital, same doctors, same meds, same treatment, same diagnosis.......same time discharged.
I hadn't used Healthy Paws yet so still had the deductible. They don't pay the office visit (which I knew that exact amount). And they pay 90% (my chosen option) of the bill.
I had used VPI already so had met the yearly deductible. They give me a percent of what THEY think is the right price. I got back from Healthy Paws $300 more than I got back from VPI.
VPI was good way back when it was one of the only insurers. But they stink now. I love Healthy Paws.