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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
Rating 1.0 4.9 7.8
Count 3 31 3082
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Reviews of VPI

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1/10   Buy this insurance if you love getting scammed., 12/22/2016

Reviewed By: Trisha Berube, Recommend: N

VPI let me pay into its system for 6 years, from the time Oscar was a puppy, with literally no claims all 6 years. Then, they mysteriously "cancelled" me "and they weren't sure why" when I needed surgery for my 6 year old dog. Then, they would only reinstate me as a new customer with a 6 year old dog, at premiums 3x higher than they were before. Why? Because the lower premiums are reserved for the customers that start their dogs on insurance when they are puppies. ABSOLUTE SCAM. DO NOT DO BUSINESS WITH THESE PEOPLE.
Injury/Illness: skin problem   Breed: Boxer
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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1/10   crooks, 12/9/2016

Reviewed By: christopher pougunas, Recommend: N

I have beeen with VPI for more than 12 years and have seen the service fragmented and go steeply downhill since it became NATIONWIDE.
I pay through payroll deduction and have seen major overcharging for total bill is $687.32 and to date this year(with at least 3 more payments to go) I have been charged $744.53!!!!!!!
I have contacted them and received many promises but NOTHING IS BEING DONE,I am still being overcharged.
Injury/Illness: not sure   Breed: Miniature Pinscher
Claim Amount: $100 - $500   Age of Pet: over 8 years
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1/10   (after 10 yrs) NEVER AGAIN VPI, 12/2/2016

Reviewed By: Barb Hock, Recommend: N

My (previous) dog for whom I had VPI for 10 years passed on at age 11 1/2 in 2015. Now I've just adopted a new dog, and from my experience, I would never ever consider VPI again. They paid out a low percent of eligible bills, and rejected many valid and necessary vet treatments. Finally, at the end, they paid zero on the euthanasia and cremation of my dear girl. Their problem (aside from greed) is the system of numerically categorizing procedures in ways that aren't realistic according to what is done by the vets and needed by the animals. Even some VPI service people advised me to "change the number" in order to get some reimbursement when it had been rejected. With all the alternative companies now, I don't know why anyone uses VPI. I also don't understand how some people say they were able to receive high percent reimbursements.
Injury/Illness: renal (kidney) During her life, she had various illnesses   Breed: Mixed Breed dog
Claim Amount: over $1000   Age of Pet: over 8 years
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1/10   VPI (Nation Wide) is Terrible , 9/30/2016

Reviewed By: unhappy, Recommend: N

I have been with this company for almost 10 years, they sometimes pay but not always. So I spend years without submitting a claim, I kept it simply in case of emergencies, but now that my dog is almost 10 and has medical issues they are not covering must of them.
When I first got they only had one plan and it covered must every thing, however they stared coming up with different plans to charge more and if you don't keep up with them you end up with less coverage. Unfortunately now I can't go anywhere else and I am stuck paying vet bills and them as well. Last year he went through all of his benefits and didn't even had a medical emergency just for the medications and one or two x rays.
Injury/Illness: heart   Breed: Mixed Breed dog
Claim Amount: $100 - $500   Age of Pet: over 8 years
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10/10   Excellent, 9/30/2016

Reviewed By: Cheryl, Recommend: Y

I've had VPI for the past 14 years and have never had a problem with them. I took the Superior Plan and it was well worth it. My last visit at Dobson was $509 of which I am getting back $439.00. If there was ever a question of reimbursement, they have been more than glad to work with me and my vet. I would continue to use them.
Injury/Illness: renal (kidney) Liver   Breed: Yorkshire Terrier
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