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Veterinary Pet Insurance (VPI)


P.O. Box 2488
Brea, CA 92822-2344
phone: (888) 899-4VPI
website: www.petinsurance.com
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 8.9 8.8 7.9
Count 7 262 2969
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Reviews of VPI

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10/10   I have it for me, why not my Babies, 6/23/2015

Reviewed By: Gail D'Amelio, Recommend: Y

I got my first pet ever in 1999 for my mother who became anorexic after a stroke. She wouldn't eat ever and lost over 50 lbs. so I came home with a kitty. My first pet at age 55. Had no experience with pets, vets, or anything. Completely ignorant. I saw an ad for Pet Insurance, did some research, and purchased the pet insurance with VPI for our Toby David. I have used VPI for Gabriella, Nannete, and now Tesa Maria, and Tommi Joseph. VPI is Wonderful, automatic, there via their website, auto payment, submit a claim, vet recognized everywhere and have received more and more publicity as more and more pet owners utilize pet insurance. We take care of ourselves, why not our pets.After my experience of gratitude to my babies, who kept my mother company and brought her back to life by eating and feeding them, they deserve nothing else but the best. VPI is my Insurance of Choice because I love my babies and love VPI. They send birthday cards, letters of sympathy. I love VPI
Injury/Illness: various based on my baby   Breed: Mixed Breed cat
Claim Amount: $100 - $500   Age of Pet: under a year
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10/10   I love VPI, 6/16/2015

Reviewed By: Alissa , Recommend: Y

We bought a policy for a beautiful puppy, Bruiser, without really thinking we would ever need it. After 4 short months of owning bruiser, he had a terrible accident, for which he needed major invasive surgery. We had to pay over $2,500 out of pocket to cover his procedure. Not only did VPI pay for the surgery, they also covered a preventative procedure that we included to ensure that his stomach would never twist. We filed the claim and were paid the vast majority back within 2 weeks. VPI is awesome and I highly recommend them to everyone who loves their pet!
Injury/Illness: ingestions and gastropexy   Breed: Portuguese Water Dog
Claim Amount: over $1000   Age of Pet: under a year
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9/10   Thankful to Pet Insurance, 6/15/2015

Reviewed By: Jess, Recommend: Y

Living in the age of information can be overwhelming, every day it seems like information is being thrown at us, whether it's print, TV/radio, internet, social media, etc... We get strong opinions shoved our way that we never asked for that add to the confusion- pet insurance being no different. Do get your dog pet insurance; don't waste money on that! Who's right? What if it IS a waste of money?? Ultimately, we listened to our intuition and opted for a pet insurance policy with VPI, but naturally we had to wonder if it really was money well-spent. What if he never needs it; he's young and healthy. Roughly 3 years later we would find that we needed our policy not once, but twice. Both instances were several months apart and untreated to each other, but both came at times when having hundreds of dollars in vet bills couldn't have been more problematic; IF we didn't have the VPI policy. Submitting a claim was easy, I wasn't sure if every items was something covered or not, but VPI does all the reviewing for you. Within a couple of weeks we received checks and everything fell into place nicely. I no longer have the doubt about whether pet insurance is worth it or not; it is. We've since gotten a kitten, he too has his own policy now.
Injury/Illness: small fracture & abnormal tumor   Breed: Border Collie
Claim Amount: $500 - $1000   Age of Pet: 1 - 8
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4/10   Long time VIP user, 6/14/2015

Reviewed By: Linda Snider, Recommend: N

My dogs are 11 and 12. I've used VIP a long time, but since they've got older I'm not pleased with VIP. My female had a urinary infection that just could not get ride of. The test and meds were a total of $1300. I thought this was pretty straight forward, I have the best plan I could buy. They denied the claim said they needed more information! It's a urinary tract infection! I also filed one awhile back on my other dog with same response . I lost a dog to cancer last year and it cost me over $30 plus postage to mail all my records and when he died, the compassion was non existent. VIP you have changed!! What Happened ? I used to be so happy with you.
Injury/Illness: bladder   Breed: Golden Retriever
Claim Amount: over $1000   Age of Pet: over 8 years
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10/10   better than I every imagined!, 5/19/2015

Reviewed By: Anne McFarland, Recommend: Y

My big tabby began sneezing and coughing a lot. He is now my inside/outside pet, after spending at least 2 years outside on my patio and not being fed while I took care of an inside cat with many health problems.

He began sneezing and coughing, so I took him to my regular vet, who had a blood test that proved he has FIV. After an $88 vet bill I submitted a bill to VPI, and was very pleased to receive a check for $55. It was much more than I expected.
Injury/Illness: not sure   Breed: Tabby
Claim Amount: under $100   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 Pets Best
  • 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
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    Overall Rating (1 - worst, 10 - best)    
    Would you recommend this company to other pet owners?
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    Your Name
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    Tell us about your pet
    Type: Dog     Cat
    Breed:  
    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:
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    ear problem eye problem skin problem
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    other:
    Claim amount
    Time taken to handle claim
     
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