They have a long list of exclusions. They word it very well so you think your covered but you ate are NOT. My 9 month old great dane was diagnosed with demodex mange. Sent in claims after 2 visits. Neither visit was covered because "parasites" are not covered. Her first vet appt was diagnosed as dermatitis (they did no skin scrape), second very did skin scrape and diagnosed mange. Dermatitis is covered by VPI though...but they won't reimburse me even for just that visit itself.