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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 32 310 2891
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Reviews of VPI

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10/10   Satisfied, 1/29/2015

Reviewed By: Lynda K, Recommend: Y

We rescued 2 pups from the same litter, they have emotional issues and crating became a problem when our boy, Titus, tried to chew through the bars. He bent and broke a few, and broke a few teeth. After seeing the $1,600 vet dentist bill, we were worried about how we could care for these pups when it was not three months in, and already shelling out over a grand. Luckily we had already had VPI, easily submitted the forms and paper work..... and got reimbursed. SO happy we got Pet insurance, and recommend it to everyone!
Injury/Illness: Broken tooth   Breed: Australian Cattle Dog
Claim Amount: over $1000   Age of Pet: under a year
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10/10   Great experience!, 1/26/2015

Reviewed By: Molly Canales, Recommend: Y

My lab was bit by a stray dog while we were walking down my street. I took him to the vet and he needed stitches and and medication. A week later we returned to the vet because he split open the stitches. VIP sent us a check for both procedures reimbursing us at nearly 100%.
Injury/Illness: dog bite   Breed: Labrador Retriever
Claim Amount: $500 - $1000   Age of Pet: 1 - 8
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10/10   Greatly Satisfied, 1/26/2015

Reviewed By: Mike & Pat Bernardi, Recommend: Y

My two pekinese in many ways have better health care than I do thanks to VPI. I am totally satisfied with my experience with VPI. Honestly, probablely would not be able to afford the care these animals have needed if they were not insured with VPI. Hope to continue with their services . I can't imagine someone not being satisfied with the excellent service VPI provides. I've even thought that, too bad I could not get health care similar to this model of service.
Injury/Illness: Back problem, later a rectal mass removal   Breed: Pekingese
Claim Amount: over $1000   Age of Pet: 1 - 8
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9/10   I love VPI, 1/26/2015

Reviewed By: Lisa, Recommend: Y

I've had VPI for several of my dogs since 2005. Always have had good experiences with them and their customer service. I own Boxers and they spend a LOT of time at the vets and I've always felt I've been reimbursed fairly and quickly. I recommend VPI highly.
Injury/Illness: Lump removed   Breed: Boxer
Claim Amount: $500 - $1000   Age of Pet: 1 - 8
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9/10   Very Happy , 1/22/2015

Reviewed By: NM, Recommend: Y

We've had a policy with VPI since our dog was a puppy (he's now 5 years old). We've been very happy with the service we have received over the years from VPI. Whenever I've called to inquire about something, the VPI rep has been very helpful and informative. I also like that I get an e-mail as soon as I submit a claim to let me know that my claim has been received. We've always recommended VPI to friends and family.
Injury/Illness: gastritis/vomiting   Breed: Australian Shepherd
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
Compare VPI to similar insurers

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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