I have only had experience of VHI over 40 odd years and found them excellent, particularly when overseas on holidays their attention was excellent. Not only did they look after the patient but the spouse was kept informed daily of the progress.
I have a relative who works for claims dept. in a hospital and she tells me Quinn are very easy to deal with.
Good luck with your decision. Personally I think the plans of Quinn Direct are better priced for the younger person, I may not be correct. Browtal