I have insurance on Bella for illness and accidental. The company I have it with is called PetCare. When I was doing research, I found out that this company was the best one for me. VPI only covers a % of the average cost of the procedures that are done. For example, you take your dog to the emergency clinic and they charge you $500 but VPI thinks they should only charge you $300; well you'll get a % of the $300. PetCare cover 100% (with a $50 deductible) for every injury, illness or accident up to $3000 per incident. I had a puppy die of Parvo and the vet bill was over $600 then Bella got sick to her stomach and I thought it was Parvo (thank God it wasn't) and that cost me another $525. If I would have had insurance I would only have paid the deductibles and I would have gotten up to $500 for the death of Piccolina. It wouldn't have made me feel better but at least they take care of you and if you want, you can get another puppy. For me, it is worth it. The routine stuff is not worth it, you can pay that on your won but when it comes to the big emergencies, it can run extremely expensive and I wouldn't want money to be the issue when I'm deciding on Bella's wellbeing.
Here's the link to my insurance.
http://www.petcareinsurance.com
VPI is (so you can do your own research)
http://www.petinsurance.com/
There are other companies but in Canada and in the UK. Feel free to contact me if you want more information. I have done TONS of research on this.