Who is writing these reviews? They sound FAKE! I haven't received any reimbursements for my pets care. One of the most common problems dogs get is skin problems and they continue to deny every claim submitted. No, it was not pre existing either. I paid $369 for a one year policy for my dog and have not been satisfied like all these other reviewers which I don't believe for one second. Check out YELP reviews, VPI can't filter those! Disgusted and will be canceling and contacting the BBB for this bait and switch website I thought was a good thing till you actually try to use it. What a ripoff!