I haven't been real happy with VPI pet insurance (now Nationwide). I adopted a dog from a rescue shelter in December, 2005 and have had coverage with VPI continually until now. They denied a claim in 2015 for allergies that they contend was pre-existing because the dog had scabs on his back legs when I rescued him in 2005. Despite a letter from my Vet, they continue to deny and asked for nine years of records. In my opinion, they are being unreasonable and are attempting to overwhelm me with requests for records.