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Veterinary Pet Insurance (VPI)


P.O. Box 2488
Brea, CA 92822-2344
phone: (888) 899-4VPI
website: www.petinsurance.com
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 8.8 8.9 7.8
Count 40 277 2798
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Reviews of VPI

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10/10   Honest, Helpful, and Responsive, 10/19/2014

Reviewed By: Roxy Schaefer, Recommend: Y

My pet had emergency back surgery on Memorial Day 2014. My husband and I had to bring our Dachshund Deiter up to U.C. Davis as this was the only place where we could bring him for an emergency visit on a Saturday. We were required to pay $4,000 up front, and the entire ordeal cost us over $6,000. We are in a difficult financial situation and this unexpected expense hit us hard.

Not only was VPI very helpful in expediting our claim, but they were instrumental in assisting me in getting the proper information associated with our pet's emergency visit such that we were able to get more of the expenses covered and reimbursed to us.

They told us what to ask for, who to speak with, and how to submit the claim so that it was processed quickly.

It was a Godsend!
Injury/Illness: Degenerative Disc Disease - Back   Breed: Dachshund
Claim Amount: over $1000   Age of Pet: 1 - 8
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10/10   Confident, 10/15/2014

Reviewed By: Rosalie, Recommend: Y

I have had nothing but good experiences with VPI Pet Insurance. I have recommended it to friends and felt confident they were going to cover the costs as they promise. Their customer service has been kind and helpful.
They have been a blessing and very happy I have them for my dog!
Injury/Illness: Both   Breed: Golden Retriever
Claim Amount: over $1000   Age of Pet: 1 - 8
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2/10   Pet insurance, 10/14/2014

Reviewed By: Joyce, Recommend: N

I paid for this insurance for 12 years for my Welch Corgi and he was diagnosed with degenerate myelopathy . I never heard of this , but I guess it a disease of the spine and they loose control of their rear quarters.The Vpi insurance would not cover any of his care.after 12 years of coverage I was very disappointed in this insurance company and I will never sign up with them again..they wouldn't handle this claim.
Injury/Illness: Genetic   Breed: Welsh Corgis
Claim Amount: $500 - $1000   Age of Pet: over 8 years
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10/10   Happy. No Complaints. , 10/11/2014

Reviewed By: Drew, Recommend: Y

We originally got VPI for our adopted cat about a year ago, after a suggestion from a friend.
We were extremely happy when after she had to be put under for a teeth cleaning, VPI covered the whole thing!
We now have a 3 month old puppy that we've adopted and they are both covered under VPI!
Whenever we call they are very helpful and knowledgeable about our plan.
I have no complaints.
Injury/Illness: teeth   Breed: Mixed Breed cat
Claim Amount: $500 - $1000   Age of Pet: 1 - 8
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10/10   Big help in getting my cat on the road to recovery, 10/11/2014

Reviewed By: Nancy Howard , Recommend: Y

I have been a VPI customer for years and have always relied on them to help pay for vet expenses. This year was especially bad for on of my 4 cats, Bobby. It all started with a small stain in her left eye. She has had a previous injury which was no big deal and that's what I expected this time. To my horror it was a lot worse. She was diagnosed with uveitis of unknown origin. That meant a $1200 diagnostic blood test, eye drops and antibiotics. She has tested positive for feline leukemia, even though previous tests were negative, and bartonellosis. The medication didn't help and she developed glaucoma and lens luxation. I had to take her to a veterinary opthomologist and for another $1500 she had to have her eye removed. Through this ordeal I had no problems getting reimbursed, my vets even handle the paperwork for VPI, and I could concentrate on taking care of Bobby without worrying about the bills piling up. Bobby is still on eye drops for her other eye but she has totally recovered from surgery. My credit card is paid off with the insurance money and the stress is over.
Without pet insurance this would have been impossible. I strongly recommend VPI to any pet owner. A sick pet is stressful enough without worrying about your finances.
Injury/Illness: eye problem Systemic bacterial infection   Breed: Manx
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
 
 
Compare VPI to similar insurers

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  • VPI vs Healthy Paws
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  • VPI vs PetPlan
  • VPI vs Pets Best
  • VPI vs ASPCA



  • 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
    State/Province

    Tell us about your pet
    Type: Dog     Cat
    Breed:  
    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
    other:
    Claim amount
    Time taken to handle claim
     
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    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.
     

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    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.

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