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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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Reviews of VPI

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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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2/10   Save the money you would spend..., 6/20/2016

Reviewed By: michelle, Recommend: N

Take the money you would pay monthly for this insurance and put it in a savings account for your pet - you will be much better served (my vet suggested this when I first got the policy. I should have listened). I obtained this insurance for my dog when he was about a year and a half old. He did have a couple of pre-existing conditions for which I did not expect coverage (torn ACL in back leg and food allergies). I had this insurance for 3 1/2 years and Nationwide/VPI has declined both claims I have made for my dogs veterinary needs to one of the two pre-existing issues (yes, my dog is quite healthy and I have made only two claims). As a side note, when you want to dispute a claim, they make it incredibly hard and time consuming to do so.

Most recently, I received notification from Nationwide two months ago informing me that my payment option was expiring (credit card) and that if I did not update the information, my policy would lapse. I purposely did not update the information because I had decided I did not want the policy anymore (no payment was taken in April as expected.) Nationwide somehow found a way around the need for my updated information and began charging me again in May and June. I discovered the payments just after the June payment was deducted (the new charge had a 30% increase as well!) I immediately called them to find out how this happened and ask for a refund. The customer service representative simply said that they kept re-submitting the charge until the bank finally accepted it. I then explained that based on the information they sent me, I purposely did not update my information because I wanted the policy to lapse and I would like a refund. After a bunch of policy quoting and run around, I got no where except to have my policy cancelled as of today. If I want to attempt to receive a refund for the charges in May & June, I need to write a letter and provide supporting documentation to get it.

This organization has demonstrated to me at each turn that the only thing that matters is the almighty dollar and they are going to do everything get and keep the money they received from their customers. I strongly, STRONGLY recommend that you do not choose this provider.
Injury/Illness: not sure   Breed: Bullmastiff
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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5/10   Prior to Nationwide purchasing VPI, I was happy, 6/11/2016

Reviewed By: Kristine , Recommend: N

I've had VPI for all of my dogs since 2003. Prior to Nationwide purchasing VPI, I would have recommended them o anyone. One of my dogs had a stroke and needed rehab out of state for three weeks, and they covered most of the cost. They also covered a lot of small injuries over the years. In the last year, they have not reimbursed for 1 claim. Each time I submit, I get a response about a month later saying they can't read the vet bill or they need more documentation. It's not possible to send them an xray, but they are authorized to call the vet and learn what they need to substantiate the claim. However, they don't do that. They just seem to find any excuse not to pay what they would have paid prior to Nationwide purchasing VPI. It's really sad. I'm giving them one more shot in submitting a claim today for an eye surgery for my senior dog, and we'll see if I get the same runaround. If I do, I'm cancelling my plans after over 10 years of being a customer.
Injury/Illness: soft tissue injury   Breed: Mixed Breed dog
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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9/10   18 yrs VPI insured - great insurance, 5/22/2016

Reviewed By: N, Recommend: Y

I had a Yorkie for 19.5 years and Maltese for 18.5 years both insured with VPI since puppies to passing away. In that many years there's were obviously medical issues. VPI almost always came through with reasonable reimbursements. I even had to use the double benefit cancer rider which paid more than 75% of treatment. Great insurance company.
Injury/Illness: Multiple   Breed: Yorkshire Terrier
Claim Amount: over $1000   Age of Pet: over 8 years
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10/10   Simply the best, 5/12/2016

Reviewed By: Kathy , Recommend: Y

I originally took this policy out to cover any emergencies that might occur. My dog was diagnosed with allergies and is required to take daily medication in addition to twice yearly blood work. I'm reimbursed up to $600 per year. This was a great help to us. Claims are processed quickly and customer service is very helpful and friendly when you call them. I wish my own insurance was this efficient
Injury/Illness: allergy condition   Breed: Tibetan Terrier
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
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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
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    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.

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