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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
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Count 72 283 2788
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Reviews of VPI

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8/10   Better than nothing, 9/15/2014

Reviewed By: Christina, Recommend: Y

I have a policy for both of my dogs. So far only filed two claims for my older dog-one being an annual wellness vet visit and the other a dental procedure. After x-rays were taken, it was determined that the vet needed to extract additional teeth so the bill added up. VPI covered about 65%-70% for dental procedure after deductibles which I was extremely grateful for. This claim took a little longer(3-4 weeks) to process than the standard vet visit reimbursement which took about 2-3 weeks to process. Vet visits do not get reimbursed with the basic policy plan.
Injury/Illness: Dental   Breed: Mixed Breed dog
Claim Amount: $500 - $1000   Age of Pet: 1 - 8
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9/10   It beats paying totally out of pocket., 9/15/2014

Reviewed By: Michael, Recommend: Y

I have to admit that my dog hasn't had a lot of health issues, which is good. She did have a non-sectable (couldn't be surgically removed) liver tumour, which ended up being treated by embolisation.

I'll admit that I would have had her treated even if I didn't have VPI insurance, but I did see some reimbursement: a little over a third of what I paid (34.5%). The percentage for the total amount of treatment came out as 38.7% on a total that was close to $9500. That's better than nothing, and seriously better than not having insurance.

Yes, you will not see complete coverage for treatment, but the amount of reimbursement helps keep the costs from getting out of hand.

The claims are usually processed fairly quickly; however, the embolisation claim did take a bit longer than normal (almost 3 weeks).

If you really think about it, our pets are family members and deserve to receive the best medical treatment we can give them.

Injury/Illness: non-sectable liver tumour   Breed: Chinese Crested Dog
Claim Amount: over $1000   Age of Pet: over 8 years
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10/10   Best Purchase , 9/13/2014

Reviewed By: Hope, Recommend: Y

My cocker spaniel has an auto immune disease if it wasn't for the help with costs from VPI I don't know that I could have helped Hope make it now 8 years old, I am very thankful for this insurance and the care my very special Hope can get, the claims have been easy to submit and reimbursed in a reasonable time period. Thank you
Injury/Illness: Auto Immune Disease   Breed: Cocker Spaniel
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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9/10   Such a relief!, 9/13/2014

Reviewed By: Kat, Recommend: Y

My 3 year old Cattle dog mix, Kailee, took about a 2 story fall. She was rushed into surgery, and I was afraid I was going to lose her. I received over $900 back from VPI. We signed up for insurance January 2014, and haven't had any problems thus far. Her injury was very uncommon, and hard to categorize, but I feel they did their best.
Injury/Illness: Chipped pelvis   Breed: Australian Cattle Dog
Claim Amount: over $1000   Age of Pet: 1 - 8
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9/10   very satisfied, 9/12/2014

Reviewed By: camille, Recommend: Y

I have had occasion to use VPI for two claims over the years. Both times I was treated well and the claims were settled promptly.
Injury/Illness: cruciate ligament repair   Breed: German Shepherd
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

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?)
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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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Age (at the time of your claim):   Under a year   1 - 8   Over 8 years  
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