I had VPI for 11 yrs. At first they were very good, but rates have gone up but not their schedule. They go by a schedule, not a percentage of the vet bill. So my two younger ones are being switched over to Healthy Paws. I have 90% reimbursement and $100 yearly ded. I chose HP because I liked the yearly ded better than per incident. And since I do have three that are covered, I did need to look for something a little less expensive. I'm paying $58/month for my 5 yr old Tanzi. I'm waiting until the waiting period is up before I cancel VPI. And if I get a partial refund from VPI for Tanzi, then I'll transfer Emma over to HP and cancel VPI.
Opal has to stay with VPI because she's had a couple of problems (like a blown ligament this past summer) that will be excluded with other ins companies, but is still covered with VPI since she's been with them for 7 yrs. So she stays.