I live in Manhattan and have 2 French Bulldogs. One of which has chronic bronchitis, as well as thyroid issues. Every time I submit a claim to VPI I am very disappointed. I never know if I am going to get 10% back or 80% back, but the majority of the time it is below 50%. Since my other dog had no pre-existing conditions, I moved over to Healthy Paws, and I couldn't be happier with them.