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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 9.3 8.7 7.8
Count 49 235 2640
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Reviews of VPI

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10/10   We could not be happier, 4/22/2014

Reviewed By: Not Given, Recommend: Y

Our dog recently had TPLO surgery. We took him to an Ortho specialist for the diagnosis and surgery. VPI was very helpful on the phone providing details on submitting a claim. We submitted our claim using the email option and received our reimbursement in less than 30 days.
This is a very expensive surgery and the reimbursement was about 75% of our total cost. This policy really helped out.
Injury/Illness: Torn CCL/TPLO Surgery   Breed: Labrador Retriever
Claim Amount: over $1000   Age of Pet: 1 - 8
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10/10   Great Customer Service, 4/22/2014

Reviewed By: Sue, Recommend: Y

VPI has been very responsive and paid claims quickly. Their claim submission process is very easy to manage.
Injury/Illness: arthritis   Breed: American Longhair
Claim Amount: under $100   Age of Pet: over 8 years
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10/10   Peace of mind for me and my two bulldogs!, 4/22/2014

Reviewed By: Valorie Stough, Recommend: Y

I've had great experiences and service from VPI--been with them for almost 4 years now. Raised two bulldogs with their insurance and have been so thankful for the insurance, with all the puppy issues and allergy issues. Claims are super easy to file and their customer service is one of the best I've dealt with. They make it hard to leave them!
Injury/Illness: ear problem skin problem enteritis/diarrhea bladder   Breed: English Bulldog
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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10/10   Such a sense of Security !, 4/22/2014

Reviewed By: Amanda Kato, Recommend: Y

I have a 19 month old, 130lb Newfoundland named Maximus. He is my pride and joy. I looked through dozens of pet insurance companies and compared down to the last detail. As everyone knows giant dogs mean giant vet bills because everything is calculated by weight. I chose VPI in February. Since then unfortunately Maximus has been to vet for unexpected accidents. I submitted 3 claims so far and everyone of them was reimbursed 100% and within 2 weeks!! I was ecstatic that VPI covered my boy so well. I am more than happy with this pet insurance. It is a blessing for me and my newf, in fact I recently added another Newfoundland to my family, Hatter at 10 weeks old and he will be getting a policy with VPI in the bear future ! Love VPI definitely recommend this insurance to anyone with a pet!
Injury/Illness: skin problem Dog attack   Breed: Newfoundland
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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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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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
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
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