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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 7.6 8.7 7.8
Count 29 245 2715
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Reviews of VPI

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10/10   Very helpful and Quick, 7/24/2014

Reviewed By: Cheryl, Recommend: Y

I had no problems. The policy I chose did for me exactly what it said it would. Payout was quick, about three weeks. Knowing I had the policy in place meant one less thing I had to worry about when I waited for my Puppy while he was in surgery.
Injury/Illness: Foreign body removal/ biopsy   Breed: Samoyed
Claim Amount: $500 - $1000   Age of Pet: 1 - 8
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10/10   Wouldn't be without it, 7/23/2014

Reviewed By: Frisco, Recommend: Y

We have had labs and we all know they lead with their noses and follow with their mouths. From eating apples whole to getting stung and infected by wasps, they live on the edge. VPI has been a good thing to have...if your pet is healthy, it's called insurance for a reason...but if your pet gets really sick, that's when they really help.
Injury/Illness: skin problem   Breed: Labrador Retriever
Claim Amount: over $1000   Age of Pet: 1 - 8
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10/10   Great company, 7/22/2014

Reviewed By: Stacey Watson, Recommend: Y

Very good prompt payout helpful with any questions you need answering
Injury/Illness: gastritis/vomiting   Breed: Weimaraner
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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9/10   Very thankful, 7/21/2014

Reviewed By: Jim Stafford, Recommend: Y

For the relativly low cost of pet insurance I am not sure why more people dont have it.
Likje any other insurance it does not cover 100% but neither does my health insurance.
Bottom line is you are going to have the procedure done you might as well get something in return.
I am very happy with what we have with a pup who likes to be a puppy it helps
Injury/Illness: not sure   Breed: Chow Chow
Claim Amount: over $1000   Age of Pet: 1 - 8
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10/10   Prompt service, 7/12/2014

Reviewed By: Rebecca Anderson, Recommend: Y

We have just the basic coverage now for the last 8 years and the few claims we've had were handled quickly and without question.
Injury/Illness: eye problem   Breed: Miniature Schnauzer
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

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

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

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

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

Ssmith
 


Review VPI review policy

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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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Age (at the time of your claim):   Under a year   1 - 8   Over 8 years  
 
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not sure
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cancer gastritis/vomiting enteritis/diarrhea
bladder renal (kidney) thyroid
other:
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