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Veterinary Pet Insurance (VPI)
P.O. Box 2488
Brea, CA 92822-2344
phone: (888) 899-4VPI
website: http://www.petinsurance.com
claim form
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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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Most Helpful Reviews of VPI .
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2/10 the problem is their UCR, 11/30/2007
Reviewed By: Ellen, Recommend: N
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 Therefore, you go to the vet, pay let's say 500 and VPI (because they use outdated information) thinks the visit SHOULD have cost 150 - they then reimburse 80% of 150 or 120.00 on your 500.00 claim.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 good) or that at least has a current and reasonable UCR schedule.
An example from VPI's schedule:
approved rate for a spay or nueter 65.00 - umm, I know of absolutely no licensed vet that will perform surgery on an animal for 65.00
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7/10 definitely a yes, 10/3/2006
Reviewed By: Ssmith, Recommend: Y
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.
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1/10 Cannot get them to stop taking my money!, 5/25/2008
Reviewed By: Tamara R. Pearlman, Recommend: N
VPI covers little or nothing. Between the premiums and deductibles it is not worth the monthly fee. They do not return phone calls.
I took my golden to the vet for a checkup and scripts for his hartguard, etc. In the exam my vet found my dog's knee was out of place. Then he took X-rays for his knee and hips. Sure enough my dog needs both hips replaced. I did not know any of this prior to the visit; however VPI denied reimbursement, even on the office visit, as his condition is not covered.
How was I to know the outcome of the visit? And, then it took VPI months to deny any payment towards this very costly visit.
Worthless program. Very predatory as I canceled my account on 7/23/07, and they are still debiting my account. I have not used their insurance since the visit to my vet in May or June of 2007.
Consumer beware yet another predatory insurance firm. All members who have been taken by this firm could band together and take out a petition, on the petition site, to have them shut down.
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Most Recent Reviews
10/10 The best and most affordable pet insurance,
I just wanted to tell you how pleased I am with your insurance company. You have always been there when Puffy… read more
Added 6/15/2009 by: Ginger Bonham
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7/10 VPI is not bad...,
I have insurance with VPI for both my dogs. I had low expectations in terms of what would be paid and how… read more
Added 6/12/2009 by: JSchultz
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10/10 Well worth the money,
I am very happy with VPI. I have never had pet insurance before--always having adopted older dogs.I always… read more
Added 6/5/2009 by: Joanne R. Brownson
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10/10 VPI Works well for me,
I'm giving VPI a Ten, but I haven't had any other insurance. Yes, I did look at all the other insurances and… read more
Added 5/15/2009 by: Greg Leavitt
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1/10 Unreliable and EXTREMELY SLOW,
From the day we applied for insurance, it took them 3 weeks and 3 different "notices" to us asking for more… read more
Added 5/14/2009 by: jo
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1/10 They don't pay,
Basically they come to the finding that everything is a pre-existing condition. Case in point: my cat Lola was… read more
Added 5/4/2009 by: Gina Limon
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2/10 VIP Underpays Claims,
When we had our first dog we paid out about $5,000.00 in claimsat the end of her life. Because of this we… read more
Added 4/27/2009 by: P. Herman
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