Don't know your location, but I have had VPI or now its Nationwide, for Samantha since we adopted her. None are perfect, this one has paid fairly well over the years. I pretty much always get my premium back, and one year a whole lot more when Samantha was really sick. You can customize your plan, they offer different coverage levels, and you can adjust your premium by adjusting the deductible. I know there are other good plans out there, but this is the one I have had experience with. One thing to be aware of, is any pre-existing condition will be excluded.