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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 9.4 8.6 7.9
Count 14 258 2932
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Reviews of VPI

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10/10   Great Experience, 4/28/2015

Reviewed By: Diane, Recommend: Y

My 10 year old Golden Retriever Jack tore his ACL and had major surgery to repair. I have had VPI insurance for over 5 years, but had never used it. Within 3 days of Jack's tear, he was in for surgery, my Vet filed the paperwork the next day and I received a claim check within 2 weeks.

I agree with other reviewers on this page, that you should do your due diligence on the policy and understand the reimbursement. I did not and once I started reading the policy, I had low expectations. Jack's surgery was over $4,000 and in the end I received all but a small deductable. I couldn't be happier with the claim process and outcome.
Injury/Illness: ACL Surgery   Breed: Golden Retriever
Claim Amount: over $1000   Age of Pet: under a year
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10/10   vpi is the best, 4/24/2015

Reviewed By: marie george, Recommend: Y

Read your ins policy.
Angus had an hemangioma which was not properly treated after his surgery which left us with multiple vet visits till it became an emergency vet visit. VPI ins helped pay most of the caim. Angus was only 4 years old. He is just fine now. Thanks VPI.
Injury/Illness: skin problem   Breed: Italian Greyhound
Claim Amount: over $1000   Age of Pet: 1 - 8
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10/10   great service, 4/22/2015

Reviewed By: judy derudder, Recommend: Y

My bg has many health.problems. I thank Vpi ins. For helping me give her all the surgeries and medications that she needs every day. So By and I.both thank you very much
Injury/Illness: thyroid   Breed: Labrador Retriever
Claim Amount: over $1000   Age of Pet: over 8 years
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2/10   Disappointing and not worth the money. , 4/18/2015

Reviewed By: Jan Oxenberg , Recommend: N

I got VPI INSURANCE WHEN I adooted my sweet dog at age 1. She's 9 now and she's great but this insurance is terrible. My dog has had several bouts if pancreatitis so unfortunately I've had need of my insurance. I didn't read the fine print and there wasn't much competition when I got VPI insurance. They don't pay a percentage of your actual bill. They pay a percentage of what THEY DECIDE your bill should be, even if no vet in your area charges that little. The ACTUAL reimbursement I've gotten is closer to 20% , nowhere near the 80% I thought I signed up for. They do pay and they're friendly and they send my dog a birthday card. But financially VPI was a terrible choice.
Injury/Illness: gastritis/vomiting   Breed: Chinese Crested Dog
Claim Amount: over $1000   Age of Pet: 1 - 8
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10/10   I trust VPI to cover many expenses for my pet., 4/18/2015

Reviewed By: Daniel Joseph, Recommend: Y

My 6 yr old lab mix had diarrhea. VPI reimbursed 44%. I am glad I have pet insurance.
Injury/Illness: enteritis/diarrhea   Breed: Labrador Mix
Claim Amount: $100 - $500   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