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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 8.4 8.7 7.8
Count 39 299 2913
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Reviews of VPI

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10/10   VPI is really saving us!, 2/25/2015

Reviewed By: Elizabeth, Recommend: Y

I have nothing but good things to say about VPI. We had a different insurance when we first adopted our dog--a rescue who was 5. I switched to VPI because I had heard good things, and they have been fantastic. Chester had no care the first half of his life, and had a few medical issues when we first brought him home. Now, he is a senior, and with that, came arthritis, thyroid problems, and now heart problems. We have had some really big bills of late, and VPI has been reimbursing in a very timely manner, and covering quite a bit. It has paid for itself and then some. I am so thankful we have the cushion of knowing we have coverage!
Injury/Illness: thyroid heart disease   Breed: Labrador Retriever
Claim Amount: over $1000   Age of Pet: over 8 years
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10/10   wonderful service, 2/24/2015

Reviewed By: Karen, Recommend: Y

I have had VPI 5 years now and am always satisfied with the amount of my reimbursement as well as how quickly I am contacted and updated. Great customer service.
Injury/Illness: ear problem limping   Breed: Mixed Breed dog
Claim Amount: over $1000   Age of Pet: 1 - 8
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10/10   Well worth it, 2/20/2015

Reviewed By: Joyce Guarino, Recommend: Y

So far. So good. We also purchased the wellness rider for our 6 month old toy poodle which covered neutering, exams, heart worm and flea & tick meds. It has already paid for itself. The form was short and easy to fill out. I faxed it along with copy of the itemized Vet bill and was reimbursed in less than 3 weeks
Injury/Illness: Wellness claim   Breed: Toy Poodle
Claim Amount: $100 - $500   Age of Pet: under a year
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10/10   Thank goodness for pet insurance, 2/17/2015

Reviewed By: Chris, Recommend: Y

We have had VPI since our Aust Cattle Dog was 4 months and she is 3 yrs old now. After having 2 other dogs in the past who had significant illnesses that almost broke us, we bought pet insurance. Our ACD had to have extensive dental work last Fall and VPI paid everything but $700.00 for which we were grateful. Most recently, she swallowed a foreign body and reimbursement was for everything ($362.00) except for $40.00 which we didn't expect to begin with. Be sure to itemize on claims and read your policy. We are happy.
Injury/Illness: gastritis/vomiting   Breed: Australian Cattle Dog
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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10/10   The best in any town VPI Pet Insurance, 2/12/2015

Reviewed By: Sharon, Recommend: Y

I have been a VPI member for over 20 years. All of my pets past and present have had/still using VPI pet insurance. I have been to the other pet insurance websites and compared the different rates but none compare to the prompness, and quality care that I get from VPI. Filing a claim is fast and easy. You can go online to their website and find the status of your claim. As long as I have my pet dogs I will always use VPI pet insurance.
Injury/Illness: eye problem skin problem   Breed: Labrador Retriever
Claim Amount: $100 - $500   Age of Pet: over 8 years
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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