Pet Insurance Review - compare rates & benefits  
  Home | Blog | About | For Vets | Resources | Contact  

Pet Insurance 101
Dog Insurance
Cat Insurance
Canada Dog Insurance
Canada Cat Insurance

How To:
Get Quotes
Select an Insurer
Make a Claim
Save Money

Find Vets

US Pet Insurers
Healthy Paws
Petplan USA
Pets Best
Protect Your Bubble

Canada Pet Insurers
Pets Plus Us
PC Financial
 Petfirst Healthcare

Other Options
Pet Assure
United Pet Care


UK Pet Insurance


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.
Customer Ratings
60 days 1 year Lifetime
Rating 8.7 8.6 7.8
Count 22 235 2720
add your rating

Get a Free Quote

Reviews of VPI

Filter By:    
9/10   Don't wait until your pet is older. , 8/13/2014

Reviewed By: Robert Rubio, Recommend: Y

I bought this for my dog when he was 8 years old and healthy. Now he's almost 14. Over the first years I saw it as a security blanket in case I needed it. Especially after he swallowed an entire corn on the cobb and had to have it surgically removed for approximately $2,000. But I didn't use it much. Now my boy has back problems and requires acupuncture, steriods, pain killers, anti-inflamitories, along with other meds. He takes 12 pills a day. I'm spending anywhere from $200-$500 a month now for his regimen. I end up maxing out the payouts on certain repeated procedures as there are limits on how much can be reimbursed. That's to be expected with insurance.

My recommendation is not to wait until your pet is old. "Pre-existing conditions" do exist for pets under VPI. The older the pet, the more likely pre-existing issues can be flagged that will not be covered. Get your dog on coverage while he is healthy. You will be thankful in the later years when you use VPI regularly. It will pay for itself through reimbursements.

I dont often find myself saying good things about insurance companies, but I'm happy that I depend on VPI's services. They are quick, thorough, and provide all the documentation you could want online to process claims, watch the status of a claim, ask questions about claims, and send reimbursement.
Injury/Illness: ear problem skin problem back problem (cervical). Also repeated urinary tract infections.   Breed: Basset Hound
Claim Amount: over $1000   Age of Pet: over 8 years
Comment on this Review   | permalink

Was this review helpful to you?      
10/10   I can not express enough how great VPI is!, 8/7/2014

Reviewed By: Travis Johnson , Recommend: Y

Gus had a hard year last year. He had an internal infection that cost over $2800, they had to open him up and go through his intestines and colon. He recovered with no problem. I had no second thought about spending the money because I knew I would get most of it back, either way I didn't care. Later that summer he had a growth on his toe. They did a biopsy, it came back malignant. He went into surgery the next day after I new of this. The biopsy was a little over $1000 I got back a little over $900. The amputation of his toe was just over $900, I got back every penny!! With what I spent plus Gus's small annual bill for insurance I saved almost $4000. I tell just about everyone I know that has and loves their pets to consider VPI. I have nothing bad to say at all, as long as I have pets they will have VPI!!
Injury/Illness: cancer Stomach issues and later cancer in his foot.   Breed: Weimaraner
Claim Amount: over $1000   Age of Pet: 1 - 8
Comment on this Review   | permalink

Was this review helpful to you?      
10/10   peace of mind, 8/7/2014

Reviewed By: Julie , Recommend: Y

We've had VPI for over 7 years now and it has been great! We've had many claims (dog with severe allergies) and the pay outs have been really fast. Always nice to know we have the protection if and when it's needed.
Injury/Illness: allergies   Breed: Beagle
Claim Amount: $100 - $500   Age of Pet: 1 - 8
Comment on this Review   | permalink

Was this review helpful to you?      
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
Comment on this Review   | permalink

Was this review helpful to you?      
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
Comment on this Review   | permalink

Was this review helpful to you?      
  Read more reviews... | Add your own review

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

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

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

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


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