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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 8.8 8.9 7.8
Count 33 277 2801
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Reviews of VPI

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10/10   Outstanding insurance provider, 10/28/2014

Reviewed By: David Kershaw, Recommend: Y

While on Vacation in WV our 8 month old Sheltie, Sadie, developed a stomach issue and was in distress. We were able to locate an emergency facility and Sadie received excellent care. The cost was covered by VPI without question. We have always had outstanding coverage from VPI. Thank You VPI !!
Injury/Illness: gastritis/vomiting enteritis/diarrhea   Breed: Shetland Sheepdog
Claim Amount: under $100   Age of Pet: under a year
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9/10   Simple and straight forward, 10/28/2014

Reviewed By: Mike, Recommend: Y

My dog had many small issues during the first year of his life. All were fairly minor like ear infections, eye discharge, and skin allergies. I got the insurance so I would be prepared in case we needed a major surgery. At first his issues were not substantial so I didn't want to submit the cost but after several visits it was adding up. I submitted many bills at once and to my surprise it was very easy to submit and payments were prompt and fair.
Injury/Illness: ear problem eye problem skin problem enteritis/diarrhea   Breed: Rottweiler
Claim Amount: $500 - $1000   Age of Pet: under a year
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8/10   Promt processing on my returns, 10/22/2014

Reviewed By: Margaret, Recommend: Y

I have no other experience with Pet insurance as my dog's breeder recommended VPI.
They have processed my returns promptly and efficiently .
Injury/Illness: skin problem   Breed: Bernese Mountain Dog
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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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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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 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

    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