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Veterinary Pet Insurance (VPI)

P.O. Box 2488
Brea, CA 92822-2344
phone: (888) 899-4VPI
claim form

Founded in 1980, VPI is the oldest and largest health insurance plan for pets in the US. VPI plans cover dogs, cats, birds and exotic pets for medical problems and conditions relating to accidents, illnesses and injuries. Optional vaccination and routine care coverage is also available.
Customer Ratings
60 days 1 year Lifetime
Rating 6.3 8.4 7.9
Count 21 236 3005
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Reviews of VPI

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10/10   So thankful for VPI, 8/13/2015

Reviewed By: Robin, Recommend: Y

You have to love and accept your pup for who they are and our little girl, Pickles (a Whoodle - Wheaten/Poodle), is something special. Super sweet, loveable, playful, and has major stomach issues. This starting happening at about 8 months with multiple vet visits, x-rays, surgery, food changes, etc to get to the bottom of it. We are so thankful that VPI has been along for the ride covering a majority of our vet bills that have been related to her stomach issues. The claim process couldn't be easier and now our vet even submits on our behalf.
Injury/Illness: gastritis/vomiting   Breed: Wheaten Terrier
Claim Amount: $500 - $1000   Age of Pet: 1 - 8
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10/10   Service, 8/12/2015

Reviewed By: Robert Lesley, Recommend: Y

Excellent, couldn't ask for more.
Injury/Illness: skin problem   Breed: French Bulldog
Claim Amount: over $1000   Age of Pet: 1 - 8
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3/10   Know what you are getting, 8/10/2015

Reviewed By: Gillie, Recommend: N

Had for 8 years. First major medical claim, and got reimbursed for 50%. Like other reviewers stated use outdated numbers. Said my dogs surgery should cost $1200. Told them give me the name of one vet in the U.S.A. that will do a torn ACL surgery for $1200. Was told they are not allowed to give out the information.
Injury/Illness: Torn ACL   Breed: Scottish Terrier
Claim Amount: over $1000   Age of Pet: over 8 years
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10/10   Extremely Pleased, 8/10/2015

Reviewed By: Mrs Global, Recommend: Y

Have had VPI since Rio was a pup. He has been healthy and no need to see the Vet other than his regular checkups. On his senior checkup at 7 yrs old, vet discovers that his liver functions were high. Had to run several blood draws, fasting and two hours after eating. Has had an ultra sound of the liver to determine if he had cancer. Thankfully, he doesn't. Now they want to do a liver biopsy which is scaring me a bit. Anyhow, I have spent over $1350 the past 8 months, on specialists, tests, medicines and the like. Received back $1018 in paid claims. All claims were paid within two weeks. I love their website and their online claims. Have recommended the company to many of my family and friends and will continue recommending them. Great company to work with. Knowledgeable customer service agents clarifying what is and what is not covered. We have Major Medical.
Injury/Illness: Elevated Live Enzymes   Breed: Mixed Breed dog
Claim Amount: over $1000   Age of Pet: 1 - 8
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1/10   Claims Paid Poorly, 8/10/2015

Reviewed By: Jean , Recommend: N

I submitted one claim for $609.37 for an emergency in March. I received $189.81. The next claim was $816.00 also an emergency in June and I received $51.76. With both emergency visits I paid $1183.80 while VPI paid $241.57. I have had my cat insured for about 9 years. I am not pleased that more was not covered. I thought that this was what I had insurance for especially emergencies.
Injury/Illness: Blocked Colon   Breed: Siamese
Claim Amount: $500 - $1000   Age of Pet: over 8 years
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Most Helpful Reviews

6/10   VPI is OK --- consumers need to educate themselves,
I've had a VPI policy for about 7 years and recently had to submit a claim for the 1st time. Submitting the claim was easy and they paid within about 2 weeks. I ended up getting about $3,000 of my $6,000 vet bills back. Here are my thoughts - 1. I would have liked to get more than just 50% back from VPI. But I chose VPI and I chose a system that deals with standard and customary fees. I chose a… read more

Reviewed By: denver
9/10   Totally Satisfied,
Yes, I would recommend VPI to others and have. First, I must agree with a few of the comments regarding coverage costs. I do feel that their (VPI) customer scale by which they gauge our reimbursement for Veterinary Services could be improved and more up-to-date with current cost structures. The actual costs incurred far exceed what is allowed by VPI and with the deductable it can be frustrating on what… read more

Reviewed By: Gloria Gunderson
9/10   No major gripes with VPI,
We have our two 5 year old golden retrievers enrolled in the VPI superior plan. Jack, who we have had since a puppy, has been enrolled since about 6 months of age. Chloe has only been enrolled for the year that we have had her. Jack has had sooooo many health issues, it has been wellllll worth the money for his plan. He has chronic skin infections due to allergies (he's allergic to human dander,… read more

Reviewed By: Kelly
2/10   the problem is their UCR,
VPI uses a usual and customary fee schedule more than 8 years old. Therefore, you go to the vet, pay let's say 500 and VPI (because they use outdated information) thinks the visit SHOULD have cost 150 - they then reimburse 80% of 150 or 120.00 on your 500.00 claim. (this is a terribly generous example - the reality is much worse). Find another company that either does not use a UCR at all (pets best is… read more

Reviewed By: Ellen
7/10   definitely a yes,
I have had pets all my life. with our newest additions, a german shepherd and a kitten, I decided to give this a try. all claims have been processed promptly. Unfortunately, the biggest payoff would be with a large claim. I wish I had this for my older dogs. then we wouldn't be hesitating about some surgery our lab needs. read more

Reviewed By: Ssmith
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  • Review VPI review policy

    Review Title (if you could say it in one sentence, what would you say?)
    Your Review (tips)
    DO tell us specifics about your pet's illness or injury
    DO tell us whether you were happy with how your claim was handled

    DON'T use profanity or personal insults
    DON'T write in ALL CAPS
    Overall Rating (1 - worst, 10 - best)    
    Would you recommend this company to other pet owners?
    Yes   No
    Your Name

    Tell us about your pet
    Type: Dog     Cat
    Age (at the time of your claim):   Under a year   1 - 8   Over 8 years  
    Tell us about your claim
    Type of illness or accident:
    not sure
    ear problem eye problem skin problem
    cancer gastritis/vomiting enteritis/diarrhea
    bladder renal (kidney) thyroid
    Claim amount
    Time taken to handle claim
    Verify that you are a customer
    I certify that I am (or was) a customer of this pet insurance company and that I have not been offered a reward, financial or otherwise, by the insurer for writing this review.

    We have zero tolerance for fake reviews!

    A message to pet insurance management: please do not submit a review! We consider these submissions fraudulent and will immediately remove these from our site.

    While we support your efforts to encourage honest feedback from customers, we encourage you to submit information here