Anyone who has every owned a German Shepherd knows there a multitude of issues that come with the dog. Lots of them are typical. Merlin, who is now 3 years old, has allergies, both to food and environmental triggers. Top that off with intestinal malabsorption and you have a digestive and skin trifecta. When I signed up with VPI over 10 years ago (with different dogs), my goal was never to make money. My goal was to break even, and know that if something major happened, we'd be covered. For the most part, that has been very accurate. With Merlin, more so. His claims have been paid quickly, with a minimum of hassle. He has seen specialists and had some crazy tests, and the majority of that has been reimbursed. Granted, I know nothing of other policies or companies, but at this point, I have no reason to look elsewhere.