we have one
Ollie has a VPI plan. Previous dog Jack had a Trupanion plan.
Trupanion Experience: They denied Jack's ruptured disc back surgery and related bills as being a pre-existing condition (apparently they believe our dog lived with a severely ruptured disc for years before the symptoms showed up). Very frustrating we paid for the surgery and other bills out of pocket. Thought about canceling, but just left it in place. A year later, when Jack was diagnosed with bone cancer, they did cover all the related costs to his care, didn't dictate what options we had to try or rule out and ultimately his euthanasia costs-- all after the deductible of course. Interestingly no grief at all over the cancer treatment related bills.
Since we had a rather mixed experience with Trupanion, I decided to switch to VPI for the new pup and actually started his plan before we ever picked him up.
VPI Experience: The plan has now been in place for 1 year. Ollie has allergies and it took us many tests and drugs to figure it out and get it under control as a puppy, when I submitted a claim for the tests/drugs, the claim was denied as being a pre-existing condition. Gave up trying to fight it and have paid for Ollie's care out of pocket on allergy related costs. Have debated canceling, but now that we have crossed the 1 year mark with only allergies, I can't see how they would ever deny anything further that might befall him since the policy has been in place since he was 7 weeks old and no other issues have presented.
My reviews are mixed on whether to get a plan or indeed which company of the 2 I have tried is better. On one had, just like people insurance they want to cover as little as possible and get out of everything by using legal terms and crap regular people don't understand. On the other hand, when Jack was dying of cancer, it was very reassuring to know that the choices we were making about what treatments to try were all about him and his quality of life, and not about what we could afford to pay. Anytime you put a dog to sleep, you wonder if it was the right thing, the right time, if there was more to do. But at least I knew we made them all based on Jack, not on money.