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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
Rating 5.5 6.5 7.8
Count 2 85 3065
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Reviews of VPI

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3/10   disappointed in VPI since it became Nationwide, 5/11/2016

Reviewed By: Linda Dennis, Recommend: N

My sheltie was attacked by a pitbull and had 3 surgeries. The bill was over $5,000. VPI only paid $1,295!!! Really??
Injury/Illness: attack - surgeries   Breed: Shetland Sheepdog
Claim Amount: over $1000   Age of Pet: 1 - 8
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8/10   Satisfied Customer, 5/3/2016

Reviewed By: DeeDee, Recommend: Y

Have had my policy for 8 years now and they have paid and not paid. Most disappointed in the large claim they did not pay for a kidney removal on my dog at the age of three. They called it a Congenital Defect even though she showed no signs of a kidney problem and we only found it while trying to determine back pain. We fought and fought the claim to no avail. They wouldn't budge on their decision.
Injury/Illness: renal (kidney)   Breed: Rottweiler
Claim Amount: $500 - $1000   Age of Pet: 1 - 8
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1/10   Never again!, 4/22/2016

Reviewed By: JSF, Recommend: N

I signed up for this in the event of catastrophic illness for my Golden Retriever. I paid (escalating) premiums for 2 years in spite of no claims. When my veterinarian's office began routinely submitting all visits, I was shocked to learn that taking Dasuquin as a joint supplement made the dog ineligible for any services relating to joints or joint injury. Fortunately we did not have a problem with his leg. Unfortunately we learned that we wasted 2 years premiums because their plan is to disallow. This was a wake-up call, I cancelled and regret signing up in the first place. They should refund my premiums based on their claims of coverage which I actually didn't have, according to their rules.
Injury/Illness: limping   Breed: Golden Retriever
Claim Amount: under $100   Age of Pet: 1 - 8
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10/10   The best, 4/13/2016

Reviewed By: vicki, Recommend: Y

This company is the best. Took it out because my company offered it. Kept it after I retired. I liked them mainly because I have birds. They got even better when I took in a rescue kitty. I have whole pet with wellness and they did cover all 90% and that was even with a spay and flea meds. Have paid for surgery, grooming, and meds for birds. Even paid cremation cost. Couldn't keep pets healthy without Nationwide. Thanks
Injury/Illness: wellness/spay   Breed: Domestic Shorthair
Claim Amount: $500 - $1000   Age of Pet: under a year
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10/10   Excellent overall experience, 4/5/2016

Reviewed By: GML, Recommend: Y

I have had nothing but an excellent experience with VPI from the ease of enrollment, very competitive rates, user friendly online website, simple claim submittal, rapid reimbursement and excellent customer service. VPI is truly the best insurance company I have ever worked with.
Injury/Illness: Neuter   Breed: Shepherd Mix
Claim Amount: $100 - $500   Age of Pet: under a year
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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
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  • 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