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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.
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Count 22 216 3022
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Reviews of VPI

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8/10   Emergency trip covered, 9/30/2015

Reviewed By: Tiffany, Recommend: Y

I had to take my French bulldog to an emergency vet while we were traveling. He had been throwing up and wouldn't eat his dinner. Found out he has pancreatitis and had to stay there for 48 hours of treatment. VPI covered nearly everything of the $1,100.00 bill. Needless to say I'm happy with the plan so far.
Injury/Illness: Pancreatitis   Breed: French Bulldog
Claim Amount: over $1000   Age of Pet: 1 - 8
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2/10   As your pet goes old they dont reimburse, 9/17/2015

Reviewed By: Nupur, Recommend: N

From all the review I am seeing as soon as your pet turns above of age 8, they stop reimbursing funds. I am a customer for last 4 years and now dog is 9 yr and they are not reimbursing as much they are supposed to and they do not want to upgrade the policy because your dog is old. They refused to upgrade only because my pet had cellulitis . Seriously, come on. I think it was my worst decision to join vpi.
Injury/Illness: cellulitis   Breed: Labrador Mix
Claim Amount: under $100   Age of Pet: over 8 years
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10/10   Life Saver!! Would be broke without it. , 9/15/2015

Reviewed By: Nadine, Recommend: Y

We were so glad to have purchased this for our large dog. When she turned 1 we noticed that she was limping and favoring one leg. I took her to a surgeon who determined that she needed both of her knees repaired. VPI covered about 90% of the bill.
Injury/Illness: ACL Repair   Breed: Cane Corso
Claim Amount: over $1000   Age of Pet: 1 - 8
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10/10   Extremely Satisfied, 9/14/2015

Reviewed By: Tasha, Recommend: Y

My English bulldog recently tore her ACL. I called customer service to ask if the surgery was reimbursable and the rep was very friendly and helpful. My claim was paid in full, quickly with no hassle. With all the rehab and post op instructions, it's great to have one less thing to worry about. I highly recommend Nationwide pet insurance. It really couldn't be easier and gives me peace of mind when my dog is not well.
Injury/Illness: Torn ACL   Breed: English Bulldog
Claim Amount: over $1000   Age of Pet: 1 - 8
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7/10   Extremely Complicated and Limits but has helped, 9/12/2015

Reviewed By: Jack, Recommend: Y

Have been with VPI for 10 years and had small claims for the first 6 years. One of our dogs was stricken with cancer and VPI covered a little over 1/3 of the surgery and chemo (about $4000 of $10,000) which helped but I thought more would be covered. Various medical procedures have limits and good luck trying to figure out all their codes, etc. I want a plan where I submit an $800 vet bill and get reimbursed a good portion of it minus excuses for limits and refer to this code and that code about coverage, etc. Thanks to this website I'll be shopping for a possible new pet insurance company. VPI has taken care of us and I would possibly recommend them but I think there are other companies out there who will cover more at less cost and less complication.
Injury/Illness: cancer   Breed: Mixed Breed dog
Claim Amount: over $1000   Age of Pet: 1 - 8
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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