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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 32 288 2924
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Reviews of VPI

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9/10   A great choice!!, 3/26/2015

Reviewed By: Tonia, Recommend: Y

After telling everyone that I was getting an English bulldog there was one thing that I kept insurance! It isn't a 'if it will happen' it is a 'when it will happen'. After 2 years, I can say that it was the best investment I made (aside from Magnus himself) :-) He did get mange when he was a couple of months old that they didn't cover, but otherwise, it has been absolutely fantastic! And had I read all of the information prior to buying it I would have seen that the demodex falls under a category they don't pay for. I love knowing that I will never have to choose between what is in his best interest and whether or not I can afford it. When we bring home our french bulldog puppy in the next couple of months I can tell you the one thing he will have immediately...VPI!!
Injury/Illness: skin problem   Breed: English Bulldog
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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10/10   Saved me over $2k, 3/22/2015

Reviewed By: Jim Cotter, Recommend: Y

My Irish Wolfhound puppy ate part of a corncob and needed emergency surgury to remove it. Since he was under anesthisia I had his stomach stapled(prevent blout), and nuetered at that time. The bill was just over $3000. VPI payed me just over $2500 in less than two weeks. Not to mention what Ive saved on puppy shots, maintenance meds, etc... I will always have all my pets insured.
Injury/Illness: corn cob stuck in digestive system   Breed: Irish Wolfhound
Claim Amount: over $1000   Age of Pet: 1 - 8
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10/10   Peace Of Mind, 3/20/2015

Reviewed By: Andrew Partheymueller, Recommend: Y

VPI had been recommended to us by our Vet whom we've had for nearly 20 years. He' never steered us wrong, so we felt confident in acting upon his recommendation. After having submitted our first two claims, the quick response and professional handling of our claims, has more than validated our choice. Have no fear! This company is top notch and responsive to their clients, both human and animal.
Injury/Illness: not sure   Breed: Mixed Breed dog
Claim Amount: $100 - $500   Age of Pet: under a year
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10/10   Awesome insurance!, 3/16/2015

Reviewed By: Rose, Recommend: Y

We're very satisfied with VPI. I've recommended you to several of our friends with pets. The claims are always processed timely and our reimbursements have been awesome. We can't say enough good things about you! We had often thought about pet insurance with other pets but never did anything about it. It's very well worth it!!

We have submitted 3 claims and gotten reimbursed 3/4 of each one. It doesn't get any better than that.

We will probably go to the medical insurance when Ladybug is older.
Injury/Illness: regular checkups/puppy shots, spay, chip   Breed: Boxer
Claim Amount: $500 - $1000   Age of Pet: under a year
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10/10   awesome , 3/9/2015

Reviewed By: David, Recommend: Y

Zeus is a special bread of a dog being a Giant Schnauzer who is very active. Having need surgery was the tough decision to make and put a pet through that. They just don't understand what's going on and the cost is crazy. Torn tendon is a bad deal which could tear completely. I am thankful for VIP Pet Insurance it made the decision much easier. Highly recommend VIP you never know what can happen to your pet who is a member of your family.
Injury/Illness: knee surgery   Breed: Schnauzer
Claim Amount: over $1000   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
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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