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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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60 days 1 year Lifetime
Rating 9.3 8.7 7.8
Count 45 234 2636
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Reviews of VPI

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10/10   OUTSTANDING Program, 4/16/2014

Reviewed By: Kevin Buccola, Recommend: Y

Excellent program - my dog has this for over 4 years, there have been a few claims and they were paid, Also if there is something that is not covered they explain it to you. Highly recommend.
Injury/Illness: skin problem   Breed: Mixed Breed dog
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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10/10   Very timey in paying claims., 4/16/2014

Reviewed By: lisa simmons, Recommend: Y

I have had a wonderful experience with VPI. Many years ago I had this insurance for another dog who had since died. When I bought my yorkie , they were the first company I called.
Injury/Illness: gastritis/vomiting   Breed: Yorkshire Terrier
Claim Amount: over $1000   Age of Pet: under a year
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10/10   Wouldn't have a pet without it!, 4/15/2014

Reviewed By: Valerie, Recommend: Y

We have had VPI insurance for 4 years. Purchased it when our dog was just a puppy. We had a dog (mixed breed) who was only three years old when she got stomach cancer - believe me when I say I wished I would have had VPI at that time. I swore then that I would never have a pet without insurance. Currently we have a black lab and we have utilized our insurance time and time again. Never a problem with claims or just routine vet visits. Just knowing that she is protected makes all the difference in the world. Would recommend it to anyone!
Injury/Illness: ear problem   Breed: Labrador Retriever
Claim Amount: under $100   Age of Pet: under a year
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7/10   On average pays about 50% of ACUTAL costs , 4/15/2014

Reviewed By: April, Recommend: Y

VPI has done fairly well. I've had several different insurance companies and this is about average for reimbursements. I have 2 dogs on with the policy for several years now. I'm glad they insure seniors at all. Most good / emergency/ large city vets charge quite a bit more than the "allowance" given for each problem. Payment usually comes in about 4 weeks depending on how complex the issue is. I had a very complex issue with my female lab and had to get an initial non-diagnosis and resubmitted an appeal with the final diagnosis and got back about %50 when it was all over with. Be aware complex issues may code under more than diagnosis and once you've spent you allowance for that diagnosis for the year that's it. Chronic conditions get expensive. Also there are a few diagnosis that aren't on the list and coding/ getting appropriate reimbursement for those gets hard. Customer service is pretty good when I called. I was able to get one processed a bit faster (3 weeks) so I could peruse more care. They seem to be able to answer my questions a bit better than other companies about coverage etc..
Injury/Illness: gastritis/vomiting   Breed: Labrador Retriever
Claim Amount: over $1000   Age of Pet: 1 - 8
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9/10   One less thing to worry about, 4/14/2014

Reviewed By: Todd, Recommend: Y

I was very pleased with my experience with VPI. After the nightmare scenario I endured with my beloved cat, the thought of how to pay for it all was just another stone on the pile. I submitted the form and waited, and was pleasantly surprised when it was covered and I had the money within a few weeks. Couldn't have asked for more.
Injury/Illness: gastritis/vomiting   Breed: Domestic Shorthair
Claim Amount: $500 - $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

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

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

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

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


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
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Would you recommend this company to other pet owners?
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Tell us about your pet
Type: Dog     Cat
Age (at the time of your claim):   Under a year   1 - 8   Over 8 years  
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Type of illness or accident:
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ear problem eye problem skin problem
cancer gastritis/vomiting enteritis/diarrhea
bladder renal (kidney) thyroid
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Time taken to handle claim
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