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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
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Count 19 272 2810
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Reviews of VPI

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10/10   VPI has been a part of Max's life, 11/25/2014

Reviewed By: Richard S. Gilbert, Recommend: Y

Max,our long hair dachshund, has been diagnosed with Cushings Disease. VPI insurance has enabled a great deal of medical support for Max. The cost of care for Max is now significant and VPI has been a major player in providing financial support for Max's treatments and medicines.
Injury/Illness: Cushings Disease   Breed: Dachshund
Claim Amount: $500 - $1000   Age of Pet: 1 - 8
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10/10   Never thought I would need this insurance., 11/21/2014

Reviewed By: JC Burdine, Recommend: Y

I got my French bulldog puppy Ava at three months and signed her up for VPI right away, more as a safety net, but not really thinking it would need it until much further down the road.
My dog enjoyed three solid years of uneventful good health until one morning when she could not stand on her hind legs. The local vet said that it was something serious and neurological. The next day Ava had an MRI and emergency surgery to repair two ruptured discs on her spine. The bill was $7000. Without VPI this would have been a financial catastrophy for me.
Ironically, later that summer Ava had a severe skin infection that required three vet visits and scrapings. Again, VPI helped me to manage these bills.

Today my beautiful dog is running on the beach and her skin looks perfect.
I am grateful to VPI. I think all dog owners should explore pet insurance.
Even the healthiest dog can become sick suddenly. I'm glad I have VPI.
Injury/Illness: Ruptured discs in spine   Breed: French Bulldog
Claim Amount: over $1000   Age of Pet: 1 - 8
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10/10   Thank you VPI!!, 11/20/2014

Reviewed By: Richard Clapsaddle, Recommend: Y

Less than a 30 day turn-around from claim submission to reimbursement. I wish all insurance companies were this great!!
Injury/Illness: Swallowed a 2.5 inch rock   Breed: Mixed Breed dog
Claim Amount: over $1000   Age of Pet: 1 - 8
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10/10   Love love love VPI, 11/18/2014

Reviewed By: Kayla Hopkins, Recommend: Y

I have had VPI ever since my English Bulldog was 6 months old. It is THE best decision we have ever made. We got my sweet Zeus when we were both in college. He has had so many problems- ranging from ear infections to spinal stenosis, 2 torn ACLs, eye ulcers, and recurring bladder infections. (I promise we really are responsible pet owners) I guess our bulldog is not as high quality as we thought... Without VPI, there is no way we would be able to care for Zeus. We have had so many unexpected vet bills, and it has been a huge blessing to get so much of it back. I have been impressed with how much they have reimbursed us for. Some things they don't cover, which is fine, particularly some things Zeus was born with or were hereditary. In his 3 years of life, he has had 7 surgeries & is about to have another next month, and VPI has paid most (if not all) of all but one or two of the surgeries. I will NEVER have a dog without VPI. You never know what could happen to your beloved fur baby, and VPI has enabled us to give him the best care we can. Thank you SO much VPI. I don't know what we would do without you!
Injury/Illness: ear problem eye problem skin problem enteritis/diarrhea bladder torn ACLs, spinal stenosis   Breed: English Bulldog
Claim Amount: over $1000   Age of Pet: under a year
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5/10   So so insurance, 11/16/2014

Reviewed By: Samantha Findley , Recommend: N

Not as easy to reimburse. Took way too long when I sign up for Optimus wellness plans. Plus side no deductible but that is it! Cross finger that once I send in the receipt and other paper works. They won't give me a run around.
Injury/Illness: Regular basic check up   Breed: Miniature Pinscher
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

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