Amber, our little Pomeranian began having sever scratching issues. Her personality changed, she wasn’t happy, and she couldn’t sleep due to all the scratching. She couldn’t sleep also meant we couldn’t sleep. Talking to our friends, neighbors, family and co-workers, we learned they were having the same experience with their dogs. That’s a span of almost 100 miles. We took Amber to an animal dermatologist. They indicated there seems to be a lot of dogs, as of late, that are indeed having the same issue. The medical treatment program we opted for cost approx. $600 annually. The VPI plan we have choses has been a great service. VPI has been covering 100% or close to 100% of most if not all claims, quickly and reliable. Amber has become a happy, enjoyable dog again. The never ending scratching has stopped, and she has her sweet joyful personality back. That you VPI for your services and reliability! I recomment your services to everyone I know who have pets.