Dakota is our 2nd dog that suffers from allergies. We made the mistake of not having any insurance on our first dog with allergies, Duke. We spent literally thousands of dollars on his treatments. So far, we have been reimbursed for 100 percent of Dakota's vet dermatology visits. We did a lot of research before purchasing insurance for our pets as well. They had the best deductible, the most coverage for the most conditions, and the highest cap out of all the insurances we researched. The premiums are completely reasonable as well. We won't ever go without it again!!!