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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 4 53 3074
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Reviews of VPI

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1/10   Worst company, 8/30/2016

Reviewed By: Jennifer, Recommend: N

We have had vpi for 18 years. My dog sophie, now deceased, was denied coverage for diagnostic testing of lymphoma. We were told it wasn't necessary. As a certified vet tech and claims adjuster for petplan, this was a large disappointment. A needle aspirate is the only way to diagnose lymphoma which was not a pretty existing condition. At petplan, if a condition is coverable, we cover diagnostics and treatment. This was sophie's first ever claim and we are being nit picked and denied the necessary $200 test reimbursement. They have made this whole experience a nightmare and have lost a customer... BTW customer service sounds like they have no idea what it means to deal with these situations
Injury/Illness: cancer   Breed: Mixed Breed dog
Claim Amount: $100 - $500   Age of Pet: over 8 years
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5/10   they are getting worse, 8/28/2016

Reviewed By: Valeria Buck, Recommend: Y

I have had VPI for quite some time for my working GSD. When it was just VPI, they were awesome and turnaround time was 5-7 days. Now, I'm lucky to get anything withing a month's time. They are getting worse on what they will and will not pay for or for the amounts they WILL pay for some things. I pay for preventative medicine as well, and they are now denying some of that. Considering they hiked the prices, they need to pay more. I can't take her anywhere else because she has recently been diagnosed with EPI, however, all her test results have returned to normal and she has gained her weight back and is working again and happy. I am just disappointed in the entire insurance racket for the fur babies. They are cheaper than most.
Injury/Illness: enteritis/diarrhea   Breed: German Shepherd
Claim Amount: $500 - $1000   Age of Pet: 1 - 8
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3/10   Nationwide is not on your side, 8/18/2016

Reviewed By: Robert Hahn, Recommend: N

Like others here, I have seen VPI change for the worse since it was acquired by Nationwide. I don't even bother to submit routine claims anymore... they always find some excuse not to pay them. I'm here on the site to find something else.
Injury/Illness: ear problem   Breed: Mixed Breed dog
Claim Amount: under $100   Age of Pet: 1 - 8
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1/10   WASTE OF MONEY!!!!!!, 8/4/2016

Reviewed By: Terri Anavitarte, Recommend: N

Obviously based on these reviews, I'm not the only one disgusted with this company! I've been a policyholder for 8 years and when I needed the coverage the most, VPI paid next to nothing! I would have been better off putting my premium in a savings for future medical bills. This company is a complete joke and I guarantee I will spread the word to everyone I know, I work for the largest roofing company in the US and I promise to let everyone know about my experience. I couldn't be any more disappointed. If you buy a policy with VPI, you are a fool!!!
Injury/Illness: pancreatitus   Breed: Miniature Schnauzer
Claim Amount: over $1000   Age of Pet: over 8 years
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3/10   I am dissapointed in VPI/Nationwide , 6/30/2016

Reviewed By: Dissapointed , Recommend: N

I have had VPI for nine years for my doggie. During those 9 years I have summited many claims and they pay some but some of the time they don't. At one point I stopped sending claims and just kept it active in case of an accident or illness. Now my pup is nine and in need of medical care and I summited a large claim of about $500, they didn't even pay a hundred of it, I am seriously considering canceling, due to his condition I can't go to another company, so now I am stuck paying for most of the medical bills.
Injury/Illness: heart   Breed: Mixed Breed dog
Claim Amount: $500 - $1000   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
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