VPI - Veterinary Pet Insurance

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.

User Reviews of VPI
Rating: 1 Recommend: N	only good if your dog doesn't get sick Our dog had anaplasmosis, an infection like lyme disease and rocky mountain spotted fever. She survived and is perfectly healthy today, but VPI reimbursed perhaps 10% of what it cost us. They did not respond when we protested with letters, emails, etc. The telephone reps, who do not make the decisions, simply said they could do nothing, but they would pass on our concerns. We heard from no one. And, they refused to renew our dogs insurance.	Reviewed by: Roger Sherman Date: 5/7/2008
Rating: 1 Recommend: N	Denial of claim for emergency treatment My dog has been covered by VPI Superior since we adopted her six years ago. Several weeks ago we awoke to find she was having some difficulty breathing, and took her immediately to our vet's office. Shortly thereafter she was transferred to the emergency hospital since her condition was critical. She stopped breathing on arrival and was resuscitated. In spite of blood transfusion and oxygen treatment, she continued to deteriorate. She had an ultrasound which showed a major heart problem and likely pulmonary embolism. Her prognosis was extremely poor, she was struggling to breathe and highly distressed in spite of oxygen, so we made the extremely difficult decision to let her go. Not only has VPI so far denied the majority of the claimed expenses itemized on her vet bill ($3095 for her one day of tests and critical care- we have received $205)they did not cancel her policy as I asked in writing when submitting the claim, and have charged another premium since she died!! The stated reason was that the diagnosis was "undetermined"- but the vet was trying to save her life and there was no time to put her through more tests - in fact she could not be taken off oxygen for long enough to carry out additional tests. I do not see the point of paying for insurance that gives you virtually no reimbursement in such circumstances.	Reviewed by: Date: 5/2/2008
Rating: 3 Recommend: N	not worth the premium Their adjusters are just clerks. Claims are not reviewed by a vet so if a diagnosis of illness does not fit into the schedule of benefits that they must follow, they deny claim. They cant think outside the box. The insurance pays so little not worth the premium.	Reviewed by: dog owner Date: 5/2/2008
Rating: 5 Recommend: Y	Quick Payment w/ no Argument Read your policy !! We recently submitted two claims, one for each dog. One bill was approximately $200 and we received reimbursement in the amount of $110 promptly and without argument. We submitted another bill for over $5000 for surgery regarding a foreign object in both the intestine and stomach. We promplty received payment in the amount of $1300. Both dogs are on the routine plan with limited payout. However, I cannot blame VPI for my choice of insurance. I was happy with the customer service and prompt payment however, if your pet only goes to the vet for major issues the plan does not make sense.	Reviewed by: Walker Date: 5/1/2008
Rating: 1 Recommend: N	Bad experience Several of the negative reviews on VPI reflect my own experience with this company. I agree that they certainly seem intent on not paying anything. Now I do understand that this is an insurance company standard, but when the claim is valid they are supposed to pay. I had a similar situation to one of the other reviewers who submitted a claim that was denied due to the fact that it was "pre-existing" when it wasn't. When I called to find out how to challenge that decision, I was given the information, but a few days later they sent a letter to my door saying they were cancelling my dog's insurance. I should add that they added an exclusion to her original policy for something that she hadn't had. To get the exclusion removed, I had to wait 6 months and then send in a request along with a claim. In other words, to get an exclusion removed for a condition she hadn't had, I had to have a claim to submit after a 6-month wait! I am somewhat relieved to find that others have had an almost identical experience. Even if they reversed their decision to terminate, I would not use this company. I have lost faith in them completely. They have yet to pay ANY claims that I have submitted and I have no faith that they would pay any legitimate claims submitted by me in the future.	Reviewed by: Date: 5/1/2008
Rating: 1 Recommend: N	The pay schedules are not even close to realistic my 13 year old cat was diagnosed with feline fibrosarcoma, malign and aggressive, the only treatment available and needed to be performed ASAP was extensive surgery to get rid of all the tumor. the entire thing cost us $2,500 including anestesia, one night in the hospital, lab work/biopsy, pain killers, the actual surgery... i just received the check from VPI... and i quote: "Total Amount submitted: 2,595.33" "Total ELIGIBLE Amount: 208.50" and just to give you an example of this "pay schedule", part of the "items" in the treatment was anesthesia... kind of critical, you can't operate without it... and i quote" "diagnosis code: 02 Anesthesia" "Submitted expense (what we pay): 555.00" "Eligible Amount: 60.00" "Reimbursement Amount: 54.00" the rest of the items in the list are equally ridiculous. i even called to ask about it, they said that the "60.00" allowed for anesthesia was compiled as a national average... and i obviously asked, in which country? Somalia?, certainly not here in the U.S... i have had cats for a long time, i clean their teeth every other year, and not one time, has a doctor charged 60 dollars (or anything close) for anesthesia... so, after paying for this insurance for 8 years... 1,700+ in payments... the reimbursed amount i get for a 2,500 surgery is just: 187.65! just not worth it... the people answering the phone may be very nice and attentive, they may have a nice website and they have been very quick to process my claim... but 187.65?? still not worth it...	Reviewed by: LupisB Date: 4/25/2008
Rating: 1 Recommend: N	Class action lawsuit bound to happen they do not want to pay anything! they will always say its preexisting even though they are not doctors and we cant diagnose it ourselves. they need to be sued!! better business bureau has to investigate them... horrible company. i've paid 4 going into 5 years of this insurance. one claim 3500usd and they denied it. and no doctor will ever diagnose surgery as the first choice for most internal situations so here is where they get out of paying for it. doctors give u medicines and then u cant claim those and then when they eventually ask to have surgery done they tell u they wont cover that because its preexisting. dont you think if i knew it was preexisting it wouldnt be existing because i would have taken care of it at that moment. VPI take ur policy and shove it deep I hope you get a class action lawsuit when u screw the wrong person and for the once still with VPI i suggest getting another pet insurance because your the next one thats going to get screwed on the list. I'm fair and nice person. I would not say things that arent true. I love my dog and got insurance so that she could be protected and now I have to pay the full 3500usd.. and also 5 years of this BS insurance that never pays... at least my dog is fine now after suffering and peeing blood and pus for 4 years... you would think that they have the decency to pay their part... VPI you heartless B...	Reviewed by: Date: 4/8/2008
Rating: 1 Recommend: N	AWFUL After paying over $15000 for my cat's cancer treatment (only to have him die weeks later), I made sure to get VPI's top-of-the-line policy for my other two. Well, one of them recently had acute kidney failure; thank god, I thought, I have insurance! Long story short: another $15,000 out of pocket and only got reimbursed about $2100. Their "Schedule of Benefits" is an absolute JOKE, paying literally a fraction of the usual vet charges (esp in the NY area where I live). VPI is total, shameless, venal rip-off. Am switching all my pets to Embrace ASAP.	Reviewed by: Disgusted Date: 3/17/2008
Rating: 4 Recommend: N	Changes in the past year I've had VPI for my two cats for a little over two years. Early on I felt this was a wonderful insurance and most everything was covered (except for medicine for a behavioral issue-but that was disclosed so I had no problem eating it.) However over the last year I've noticed that more of my claims are being denied, or receiving minimal payment-such as a recent $65 reimbursement for a $400 visit!!! On one occassion they even wrote down a diagnosis COMPLETELY different from what was given by the vet, needless to say this other diagnosis had much less coverage than the true diagnosis. I am now going through a lengthy appeals process that I doubt that I will win. After learning that they are changing the routine care coverage to elminate many of the more important aspects such as dental coverage, I have decided to look for a better plan elsewhere. When it works this is a great plan, but getting what I pay for is getting more and more difficult.	Reviewed by: Susan Date: 3/17/2008
Rating: 10 Recommend: Y	VPI came through for Oscar when he needed it. Oscar is a 7 year old dachshund. Oscar had a really bad year last year, and VPI really came through for us. Oscar started in Jan with pain and just lay on his bed and didn’t move. The vet said he possibly injured his back. When we finally got him to the surgeon, we decided to treat him with medication, pain meds and prednisone. It didn’t work he just got worse. His back legs were partially paralyzed and he could’nt walk with the pain. I had to take him for an MRI first. It took about 6 months for him to be back to his normal self. He had physical therapy, and lots of carrying around. I wondered what a person who was not able to stay home and care for their dog full time would do in a case like this. That is another reason to have pet insurance. While VPI doesn’t pay for respite care, it will help with the medical bills, just in case you would have to pay a person to watch your dog while you are at work. Oscar was lucky, I was with him 24 hours a day. Oscar then had a reaction to the stitching materials used in his sutures for his back surgery and he had a huge (golf ball size abcess on his shoulder and other lesions from the infection. We cleared that up and he was laying sick again and I took him into the vet and this vet misdiagnosed him as having Addison’s Disease. The vet didn’t take into consideration that Oscar had been on prednisone for his back and that is what showed up in the levels in his blood work. Well, I took him into an Internist with the advice of this vet, and he quickly discounted Addison’s disease, but he did an ultrasound just to be sure. The Internist found a tumor in Oscar’s bladder. They tried to scope him, but he was too small a dog to get the scope in. But, they also found a spot in his lungs and wanted to make sure he did not have lung cancer before they did the bladder surgery. They found that the spot in the lungs was pneumonia. That took a month to clear up before they could do the bladder surgery. Oscar had the bladder surgery and after many puddles initially is fine now. I have to take him for an ultrasound every 6 months for a year until they see nothing, but so good so far. While our vet bills were very high this last year, VPI really came through. They paid out higher in some cases than I thought they would. Thank you VPI!	Reviewed by: Patti Date: 3/15/2008
Rating: 10 Recommend: Y	MY GOOD EXPIRIENCE WITH VPI MY GOOD EXPERIENCE WITHH VPI I had a small poodle named Rocky he just died about a month ago at age eleven and if HASNOT BEEN FOR THE GOOD COVER AND COVER AND KIND attention I always recieved when I call then and they always advised me to get the best cover for my pet since he was a puppy till his latter years in the last few month he got very sick they cover most of his bills but he just was suffering to much and was bearly alive a life he went to heaven with God and the other angel doggies we still miss himm very much butwith the help of his vet and VPI insurance we kept him the best we could until the end and no we did what was right for him we have his ASHES A HE BE FOR EVER ON OUR HEARTS REYNOLD AND NANCY ARTOLACHIPE, LAKEWOOD CALIFORNIA 3/10/08	Reviewed by: rEYNOLD & NANCY ARTOLACHIPE (ROCKY) Date: 3/11/2008
Rating: 9 Recommend: Y	READ THE POLICY!!!! I read the policy and knew what I was getting into when I purchased by policies. 4 years later and three pets, I have nothing but praise for this company. I file claims and know exactly what I'm going to be reimbursed and when the check arrives I'm not surprised. To the other complaints, READ THE POLICY!!!	Reviewed by: Christina Date: 3/10/2008
Rating: 1 Recommend: N	Horrible. Denied not only the claims submitted for my sheepdog's liver shunt surgery, but also denied any coverage for the tests which found the problem. I appealed, but they stated that this was "how they kept their policies affordable". They rate as among the biggest swindlers I've ever had the mispleasure of dealing with.	Reviewed by: Chad Roeger Date: 3/7/2008
Rating: 1 Recommend: N	VPI is horrible My dogs broke her knee requiring two surgeries and with follow-up care ended up costing me over $3,500. After several months of going back and forth with VPI and sending them an appeal they ended up only paying $1,200 towards these costs, end of discussion. When I wrote on their renewal notice that I was not interested in continuing with them they cancelled the insurance without notice and sent me a refund check for $42.00. After my terrible experience with VPI I am convinced that if not all, most of the reviewers on this site giving them rating of 9 or 10 are actually VPI employees. Don’t make the same mistake I did. Either put the money you would pay VPI in a savings account or pay more and go with one of the more highly rated insurance companies.	Reviewed by: Stan M Date: 3/5/2008
Rating: 10 Recommend: Y	VPI allows me to have many healthy pets Some years back our 12 year old healthy Golden Retriever, Annie, suddenly began going down. We were referred to a specialty vet who confirmed a slow growing tumor on her spleen that had grown to the point of causing bleeding. We were given a form with an estimated cost to save her. I never even looked at the bottom line because I knew I had VIP and would get reimbursed for a good part of it. The Vets did their best for her but couldn't save her. She had heavy internal bleeding. So we had to have her put down. And as I knew they would VIP covered most of it and sent a sympathy card for Annie. Since then we have had all our pets covered and we know that a trip to the vet doesn't have to be decided by how much we can afford to spend but by the seriouness of the problem. We have the Standard with Well Care protecton and Cancer Endorsement. So we can have teeth cleaned and immunizations and pay only a part of it. The claims can be FAXed and your done. With 2 dogs and 4 cats we really love having VIP.	Reviewed by: Penny Date: 3/1/2008
Rating: 1 Recommend: N	VPI Stinks REMEMBER THE POLICY PERIOD DATES, My policy was from 03/06 to 03/06 and yet on 02/06 VPI started the new increased policy amount, I had all of my annual routine check up completed for my dog on 02/21 and since the policy was 3/6 I rec'd a check for $12.20 and I paid $196.00 for services. I agree they do everything not to pay you, since you have to pay out of pocket anyways you are better off starting a pet savings account. I would never recommend them to anyone.	Reviewed by: Laconia, NH Date: 2/28/2008
Rating: 2 Recommend: N	Raised Rates by 25% Mandatory! I've been with VPI for five years ... my dog is 12 years old and I just received a mandatory upgrade to the Core Coverage rate of 25% from $589 a year to $739. Am looking elsewhere.	Reviewed by: Suz Date: 2/26/2008
Rating: 1 Recommend: N	USUAL & CUSTOMARY CAHRGES SET TOO LOW They have established standard charges for hundreds of procedures which are so low they are a joke -- except the joke is on their policyholders. When the pay out 80% of these low standard charges (irrespective of what you actually paid, less the $50 deductible) you can end up receiving next to nothing. In addition, they take about 30 days to process claims.	Reviewed by: Anne Date: 2/23/2008
Rating: 6 Recommend: Y	Good coverage, not so good reimbursement Low deductible of $50 per event. Reimbursement is 90% of fair and usual costs after deductible, which is pretty good. However, VPI has not updated their fair and usual costs since 2002. So, while the coverage for some things is good, for others its not so good. At least the appeal process is easy and they are willing to reimburse more if you can provide more information. And I've never had them 'lose' claims, especially in the last couple of years when all you have to do is fax in a copy of the bill and test results. For smaller animals dogs and cats without breed specific issues, this is good coverage. For really large breeds, or those prone to specific problems, it may not be as cost effective.	Reviewed by: Lynne Date: 2/13/2008
Rating: 2 Recommend: N	Poor Experience I had two dogs under the superior plan coverage. After a couple of claim experiences I have to say that overall VPI seems to look for ways to deny coverage. These guys are difficult to deal with on the phone and don't even want to give any estimates on coverage even with detail description of the pending procedure. Also, twice they lost my paperwork. Needless to say, I am changing my insurer now.	Reviewed by: Chris Date: 2/11/2008
Rating: 8 Recommend: Y	Good experience I have found the turn around time on payment for submitted claims has been 3 weeks, which is much faster than the way most insurance companies reimburse human doctors/patients for their fees. VPI has also emailed me to let me know that the claim has been received. While I know of no insurance that covers 100% with no deductible, the insurance has already more than paid for itself in the 2+ years that I have had it. It gives me some peace of mind to know that I will have help with my dog's medical bills if need be.	Reviewed by: Amy M. Date: 2/10/2008
Rating: 1 Recommend: N	VPI STINKS Had this VPI Company for 6 years on my cats. Cats never cost them a dime. They took all the premiums though...now my one cat gets sick $1600 in vet bills they pay $395..every bs exclusion you can come up with..so far I've paid them $4900 in premiums since I had them for 6 years on all 3 cats....I'm done after this. Would rather put the money for the premiums in an interest bearing account and roll the dice. VPI STINKS!!!!	Reviewed by: John Date: 2/8/2008
Rating: 1 Recommend: N	Not worth the money I have had this insurance for about 3 years, i needed to have my pet hospitalized for gastroenteritis, the bill came to 2400.00. not only did they take 6 weeks to pay the claim, but they only paid 900.00. This company is a rip off. I'm in the process of going to pets best	Reviewed by: Wendy in Detroit Date: 2/7/2008
Rating: 5 Recommend: Y	They don't cover dental cleanings I have used VPI for my poodle since 5/2000. She has been an allergy dog and VPI has been of great assistance in covering a percentage of her monthly injections. I reviewed my new policy and noticed VPI is not covering dental cleanings for the poodles. I do care for my pet's teeth at home, however, occasionally I think it is extremely important for the health of my pets to have their teeth cleaned professionally. The premiums I pay to cover two dogs are very high and this coverage should certainly be included! It costs way over $200 to have a dog's teeth cleaned.	Reviewed by: Marsha Eichner Date: 2/6/2008
Rating: 10 Recommend: Y	Excellent in all departments. This is my second pet that has been insured by VPI. So I have been with the company for over 16 years. I have been blessed and have not had to use my policy extensively, however, when the need arises I have found the service to be prompt, accurate and helpful. When our first cocker got sick and died...VPI was right there to cover our expenses. Our new baby now, another Cocker always has ear troubles....VPI is always there. At one time I called California during their terrible fires and the staff was there to help me instead of me being of service to them...THANKS AGAIN VPI...you are excellent.	Reviewed by: Carol of Miami, Florida Date: 2/6/2008
Rating: 10 Recommend: Y	EXCELLENT!!!!! Paid 94% on severly broken leg. Had VPI for only three months and our 9 month old chocolate labrador puppy severly broke his leg, requiring an open reductiona and a pin. They covered the emergency vet, the orthopedist, and all follow up care. The reimbursment checks came before the credit card bills. We were extremely pleased, we recomend this company to EVERYBODY!!!!	Reviewed by: Sue Date: 2/1/2008
Rating: 1 Recommend: N	Never paid any claims- I bought coverage for both of my Italian Greyhounds in early 2007. I've never submitted any claims, until one of my dogs was diagnosed with a tumor at the end of 2007. I submitted my claims with all requested/very detailed information and the company still is using the excuse that they need more information and based on what they have, all claims will be denied. I'm not sure what service I'm paying for here. I don't recommend using VPI, terrible customer service and its about the money not about the pet.	Reviewed by: Teresa Date: 1/31/2008
Rating: 5 Recommend: Y	reviewed by Edna I have been satisfied with the response from the VPI but don't feel that the coverage for a continuing problem is enough. My cat has diabetes and was told that I had met the limit for her condition. I pay $47 a month and have been for several year. I received a check for 3cents for a recent blood test. This should be covered since it is part of her care.	Reviewed by: Edna Stack Date: 1/30/2008
Rating: 10 Recommend: Y	Pet insurance saved his leg. My lab mix Timber was hit by a car in the evening Oct. 2007. The car did not stop. My dog ran home with a fractured leg and multiple open wounds. We rushed him to a 24 hour animal hospital one hour away. Two days later he was taken to our local vet. The fractured required a specialist. We drove three hours one way to Cornell University in Ithica, NY. If I did not have pet insurance we would have had to decide on amputation of his leg. Having pet insurance enabled us to save his leg with the procedure of arthrodesis (fusion). He was hospitalized for 9 days, he under went daily bandage changes for the open wounds and splint changes every 2 weeks for 3 months. It was a long recovery and he is still in rehab. VPI insurance was a blessing to us. My experience with VPI is positive. I received checks about two weeks after my claims were faxed in. My dog still has his rear leg, received the very best of care and treatment because we could go the the very best hospital, all because we have VPI pet insurance. I highly recommend it. I actually have two dogs and both have been insured from the day I got them. Our Beagle is five and Timber is two. Don't let yourself be in the position to have to choose between life and death or substandard care because you can't afford treatment if an accident happens. Be prepared, purchase VPI insurance, you won't regret it. Thank you VPI....	Reviewed by: Sandy Date: 1/28/2008
Rating: 2 Recommend: N	$50 reimbursement for $450 expenses My dog had a broken tooth which was a pretty common problem for the dog. We needed to extract that tooth doing oral surgery to prevent further problems. Total bill was $450.23 and VPI reimbursed $50.40. I re-submitted the claim with detailed bill description, but VPI sent me a letter that the case is closed and they were not going to reconsider our case. I'm not going to renew the policy any more although I've paid premiums 6 years.	Reviewed by: Yeonah Date: 1/25/2008
Rating: 2 Recommend: N	Lots of Claim Denials I had VPI on 4 dogs and 3 cats for about 5 years. They used to reimburse and cover claims fairly well, but this past year they've pretty much denied everything we've turned in. I cancelled all our plans after they denied any coverage of a $2500 vet bill when one of our females dogs got deathly ill.	Reviewed by: Maggie Date: 1/20/2008
Rating: 8 Recommend: Y	Pleased with my coverage I have had a VPI policy for my 3 pets for a little over a year now. So far I have been pleased with my reimbursements. VPI has covered at least 50% or more of each visit including well care check-ups. And customer service has been very helpful each time I have called. Considering the cost of good health care for my pets, I'm very glad I have this policy.	Reviewed by: Suzi Date: 1/15/2008
Rating: 8 Recommend: Y	Better than Most Coverage I purchased VPI insurance when my Chihuahua was 3 months old. Since then I have had two major claims. One for poisioning from sugarless guys (Xylitol). They paid approximately 1/2 of the emergency costs. The other for neutering and a hernia operation. It would have been great if VPI paid a greater percentage, but the way I look at it is that 1/2 is better than nothing. Between the neutering, poisioning and alergy claims - the insurance has paid for itself 3 times over.	Reviewed by: Michelle Mulrine Date: 1/14/2008
Rating: 10 Recommend: Y	Completely satisfied with my dog's policy. I have a 7 year old black lab retriever. When she was a pupply (approx. 6 month's old) I asked her Vet about suggesting a company that provided Pet Insurance. He recommended VPI. I took the information and called and enrolled my dog for pet insurance. I was, from the start and continue to be, totally pleased with this company and recommend VPI to everyone I know who has a pet, whether feline or canine. My first pet was a beautiful white cat that lived for 16 years. I didn't have a policy for him and honestly didn't every know that they existed. The last couple years of Taffy's life were sickly and of course I spent whatever I had to to ensure that he got the best possible care. Unfortunately, he passed away and the money spent during this time period was exorbitant. I would do it again in a heart beat, but I vowed if ever I got another pet, I would make sure that I purchased a policy for her/him so that in the event of a malady, the pet would be treated and I would also be able to do so at some reduction of expenses. As I previously said, I am totally thrilled with VPI and although I do have to pay out of pocket for a lot of the services that Start Lite receives, when she has an illness or even routine vacinnations and exams, this policy is an enourmous financial help with reimbursements for issues that I have coverage in the policy. In addition, whenever I have to call to speak to a representative, I am treated with the utmost respect and understanding of whatever the issue is that I am calling about. I highly recommend this company to any one who takes a pet into their home. It more than pays for itself in knowing the you have peace of mind in the unknown and possibility of an unfortunate illness or condition.	Reviewed by: Sheila Date: 1/12/2008
Rating: 10 Recommend: Y	VPI helped pay our emergency care Last spring our Dalmatian took to roaming our rural neighborhood and ingested a poison. We didn't know until about 3 hours later when she went from early seizure to full-blown seizure mode over the course of 5 minutes. First Bonnie's teeth were misaligning while she was trying to eat dinner, her body was moving as if she was shivering, then she was shaking so hard she looked like she was receiving electrical shocks because she was literally jumping around because her shaking was so intense. I grabbed hold of her and notified the vet ER that we were bringing her in. Her body felt like she was boiling from the inside and her eyes were crazed looking. We were scared! We had her at the vet ER 20 minutes later and were told that she probably would have died if it had taken us longer to arrive. She was given charcoal, lots of it, and did not require being flushed by other means. We had a terrible night at home without Bonnie, but were thankful for the periodic updates from the hospital throughout the night. We took her home the next day and nursed her back to a full recovery. She's ran off twice since then and was given an oral dose of hydrogen peroxide as soon as she returned just in case she ingested poison again. Bonnie doesn't like vomiting so she's decided to stay with us when we're in the grove now. The vet bill came to $850, follow up care was another $200. I submitted my claims to VPI Pet Insurance and received a large portion of it back. We initially signed up with VPI as a "just-in-case" prevention, thinking we would use it only for Bonnie's annual well checks and shots. We are glad to have had insurance for her and will continue to renew it each year. I am regularly giving pet owners VPI's phone number and URL and encouraging those without pet insurance to invest in it for those "just-in-case" times. Thank you, VPI for sharing the financial burden of our Dal's treatment.	Reviewed by: Josette, Bob & Clayton Date: 1/11/2008
Rating: 10 Recommend: Y	Responsive, pleasant, reasonable turn-around I've had VPI for about a year, and it's my first experience with pet insurance. I've been VERY favorably impressed by VPI's service. All of my experiences submitting claims and with VPI staff have been extremely positive. I'm always notified by e-mail when they receive a mailed-in claim, and turn-around on the claim is prompt. I would be happy if my own health care insurance company was as responsive and pleasant to deal with!!	Reviewed by: Biff's Mom Date: 1/10/2008
Rating: 2 Recommend: N	don't bother I adopted a seven year old dog from our humane society. Thinking I was smart, I decided to get a policy on him. I had to pay about $400 or for tests on him since we had no records to even get VPI to cover him. I ended up taking him to the ER since he was in breathing distress and we had no idea what was wrong with him. He had a urinary tract infection and very low protein levels. I submitted $1500 and hoped to get maybe $800, but only got $200. My vet helped with my appeal but they still denied it, saying since he never had a clear diagnosis of what was really wrong that they can't cover it. I think if your pet has cancer, breaks a leg or gets hit by a car, etc.. maybe it pays off, but overall I don't.	Reviewed by: Date: 1/9/2008
Rating: 9 Recommend: Y	V.P.I. was a wise choice for us. We enrolled our dog with V.P.I. as an eight week old puppy. I was glad I did. Molly is an English Cocker Spaniel. A series of health challenges began to be revealed in Molly's life. V.P.I. has paid for a substantial amount of Molly's care. Our family has known all too well the high cost of extended veterinary care. Molly's great-grand father, Oreo, was with us for fifteen years. I did not have the help of V.P.I. when Oreo's cardiac problems began. I knew our next puppy would have coverage. Yes, there are exclusions and caps. Even with these limitations in place, V.P.I. has paid for a substantial amount of Molly's care.	Reviewed by: Karen Date: 1/8/2008
Rating: 1 Recommend: N	I'm Getting Out while I can You get what you pay for.....Cheap rates equal CHEAP SERVICE. I dont have the time to fight for a couple hundred dollars they should pay for a sprain... and I feel REALLY bad for folks that are stuck with THOUSANDS in $$$ bills!!! Before my dog gets stuck with a pre existing label----- I am OUTTA HERE!!!	Reviewed by: Trish Date: 1/7/2008
Rating: 10 Recommend: Y	More than I ever expected My 10 year old weimaraner has been insured for around 7 years with VPI. They have always been prompt and very fair with their payments. Through three cancer surgeries and several HGE intestional problems they surprised me with how much I was reinbursed--Much more than I expected. When we got our new puppy we compared their policy with other companies and their payment limits were far superior to other plans. The premiums are very reasonable and even inexpensive for young dogs.I switched our puppy from another plan to VPI after reading the policies.When you correctly submit the claims with documentation they are prompt in paying and I found the communication with the company to be excellant.I recommend VPI to everyone I meet.	Reviewed by: Jay W. Date: 1/3/2008
Rating: 9 Recommend: Y	VPI Endorsement Dear VPI, My husband and I called to insure our golden retriever named Britney the very day we adopted her at age 4. She is a 'rescued' prior show dog, but now lives the good life with a warm, loving family who adores watching her run, swim and play with balls. We knew we wanted to insure her given our great experiences with VPI Pet Insurance for Rusty, our previous golden retriever. VPI has helped us pay for Britney's annual teeth cleaning, ear infections and products for flea control and heart worm. She has an appointment coming up for a teeth cleaning and removal of a skin tag. Although I brush her teeth every day, having a dog's teeth professionally cleaned can help extend their lives. I'm not sure I would get it this done if I didn't have insurance. With VPI, I now have the freedom to do more elective procedures. As a certified 'pet grief counselor', I have supported many clients who have lost pets. I've noted a difference with those who have had pet insurance, as they often comment that they felt the peace of mind to be able to spend whatever was needed during the final days/weeks of their pets' lives. Similarly, even though to date we've never had any major concerns with Britney thus far, we never want to have to make any medical decisions based on financial concerns. Knowing VPI is there gives us the confidence that Britney's healthcare needs will be partially covered if/when situations arise. Sincerely, Bonnie Goodman Stanford, CA	Reviewed by: Bonnie Date: 12/27/2007
Rating: 10 Recommend: Y	I recommend VPI I've had a very pleasant yet professional relationship with VPI. My teacup Yorkie was insured from the time I got her until her death seven years later. During the last four of those seven years she was on medication and at the vet's a lot. The company followed through on their commitment and was sympathic at my loss. I now have another Yorkie and the first thing I did was call VPI and sign her up. I wish I could sign up with VPI instead of having to deal with the evil health insurance company who holds my policy. Davey	Reviewed by: Davey Date: 12/22/2007
Rating: 10 Recommend: Y	VPI IS THE BEST I have had VPI for 3 years now and they have been nothing nothing but professional and honest. They are very upfront and tell you that it does not cover Heretory, congential or pre-existing conditions ( like any insurance company). It seems that most of the people upset with the policy are upset because they want a condition covered that is pre-existing. Or they expect 100% reimbursement, which if they had any business sense, would know that is not realistic. My dog broke it's leg a year ago and it cost me just over $2000 to have that taken care of. I got back just below $1700.00. My sister's puppy had bone cancer and her bill was $1300.00 and it covered $1100.00. They have a set amount which they cover for each condition and still covers much of your bill. These complainers are so funny. They think that they should pay $300 to $400 dollars a year for a policy and get 100% re-inbursent for all their shots and medical bills. So if they have $10,000 a year in medical bills they want it all covered. Or they want pre-existing conditions covered. Which anyone who has brains, know that is not possible. If you were driving your car and got into an accident and did not have insurance, and then that night you called State Farm to cover that accident, what would they tell you? VPI has been around for about 25 years while many pet insurance companies have failed. They must be doing something right	Reviewed by: kev Date: 12/20/2007
Rating: 1 Recommend: N	They search for ways to deny claims. VPI denies claim. "Curly", who is a 13 year old pug, was diagnosed with a collapsing trachea in 2001. I have been advised that this condition is not life threatening. However, in June of this year Curly became gravely ill with a respiratory infection and the resulting veterinary bills topped $3,000. On top of that, there is ongoing medication for chronic bronchitis that costs me over $100 per month. I have had Curly insured for a number of years and VPI rejected the initial claim as well as my appeal. Among the vets I took her too was one Dr. Philip Padrid of Chicago who is a world renowned respiratory expert. His considered opinion was possible aspirational pneumonia. Whatever the case, the anti biotics he prescribed promptly solved the problem. Two additional...though not as serious...flare-ups occurred in August and October. Again, both of these exacerbations were cleared with Dr. Padrid's prescribed anti-biotics. I am happy to report that Curly is just fine at this writing. VPI contends Curly's problems are related to the collapsing trachea which in turn they consider congenital and therefore not covered. I contend that any dog can have pneumonia/respiratory infections and therefore it is the insurance company's dereliction of contract to reject coverage. The proof of infection lies in the fact that the appropriate antibiotics resolved each occurrence. I have documentation for each step of this process but in exasperation I gave up further pursuit. At this time. Does anybody know any reasonable lawyers who would handle a lawsuit over this?	Reviewed by: Spencer Date: 12/20/2007
Rating: 9 Recommend: Y	spays and other services covered separately I live in Florida and the actual ovariohysterectomy for my dog cost around $55. If you look at the schedule you will understand that other services are covered like anesthesia and any antibiotics, injections, et al. I go to a great Vet Clinic (not low cost). You just have to speak to your vet and have them understand or get educated on how to fill out the claim forms correctly. Each diagnosis or secondary treatment needs to be separate line items... for example. In the long run I get reimbursed more than I pay out, so it is definitely worth it.	Reviewed by: Sylvia Date: 12/18/2007
Rating: 1 Recommend: N	They are THEIFS I took out my policy 9 years ago and have had small claims here and there with no problem. Back then I reviewed the benefits schedule and it was ok so I took out the policy. Today they have the SAME schedule yet vet costs have skyrocketed. My dog had 4 lumps removed 2 of which were cancerous. VPI prorated the costs and out of my 2400 bill I only received 600. The problem now is that if I wanted to change insurance companys he will no longer be covered for the cancer. Therefore I was forced to stay with them. Now my dog had a heart condition and the condition max is around 300. 300 does not go very far when it comes to emergency visits, specialist consults and a all the different testing. I too love my pet and wanted him to have the best coverage possible. After reviewing the newer companies out there it appears VPI is Quite possibly the worst. I will be writing the California Department of Insurance and the BBB because they STILL advertise 90% coverage. This is extremely misleading if you have never had a seroius problem with your pet and are not aware of what things cost these days. PLEASE take the time to write letters to assist the agencies make VPI change their business practices	Reviewed by: CARMA to the THEIFS Date: 12/15/2007
Rating: 1 Recommend: N	A waste of time and money. I decided to get pet insurance because one of my cats seemed to have quite a few weird illnesses since we adopted her. It was nothing chronic just random things. Shortly after I bought my policy she had some respiratory problems. She needed x-rays and some other test and the visit quite expensive. I submitted a claim along with her medical records that the vet faxed in and it took them over a month to send me a letter saying "medical records are incomplete". So I emailed them to find out what was going on and they said they never received them even though the vet faxed them in. So I retrieved my own copies of her medical records and mailed them. In the mean time she broke her toe, which meant a trip to the emergency center and that was also quite expensive. A couple months after submitting that second claim and all the medical records I got two letters in the mail. One said the first claim was denied because it occurred before coverage was active (which is wrong). And the second claim said it was denied because medical records were incomplete. It has been a few months and I decided to call and find out about that second claim because it really should be covered. So I called and at first they said it was because they needed medical records then they put me on hold and came back and said "It looks like we did review your records we just didn't mail you out the response, I'll do that now". So I've been sitting here for how many months wondering why I never got paid and it's all because they forgot to send out a letter. The first claim was from April 07, the second claim was from August 07 and I still haven't received a dime from either one. I have now switched to Embrace and although I haven't had to submit a claim yet from what I can tell they are going to be 100x better than VPI!!	Reviewed by: Miranda Date: 12/13/2007
Rating: 1 Recommend: N	Loop Holes I had VIP for several years for my 3 dogs. It never covered hip dyplasia and when my dog had to have a root canal it says it will pay $1,000 with the actual cost being $1,200 I had it done however, they only paid $300, said root canal was secondary to tooth fracture. I spent $15,000 in vet bills and they only paid $2,000. It's horrible and they will find loop holes to get out of paying according to their scheduled approved list.	Reviewed by: Linda Date: 12/6/2007
Rating: 10 Recommend: Y	Great cost effective I have x2 dogs I had ins for about 1 year during one this time one my dogs had cancer and is currently on tx I only paid 222 for 1 year and already they have reimbursement me ocer 2k in cancer benefits. Any little counts	Reviewed by: Shelly B Date: 12/4/2007
Rating: 10 Recommend: Y	VPI = Very Phenomenal Insurance! We have two large dogs, ages 3 and 4, that have been enrolled in the VPI (Veterinary Pet Insurance) program since they were puppies. We have filed claims from basic vaccinations and routine vet vists; to simple medical issues (ear infections, diarrhea); to more complex and emergency medical situations(bloat). In each and every instance, VPI has quickly, efficiently, and without question, processed our claim forms. This insurance has more than paid for itself, and we only wish our own health care coverage could be this good! We would highly recommend anyone who believes their pets deserve high-quality medical attention consider VPI to help with the increasing costs of veterinarian care.	Reviewed by: Nancy Date: 12/2/2007
Rating: 2 Recommend: N	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 good) or that at least has a current and reasonable UCR schedule. An example from VPI's schedule: approved rate for a spay or nueter 65.00 - umm, I know of absolutely no licensed vet that will perform surgery on an animal for 65.00	Reviewed by: Ellen Date: 11/30/2007
Rating: 10 Recommend: Y	knowledge is satisfaction I note that the people who are all upset about VPI are the ones who didn't take the time to read their benefit schedule and see what they cover. VPI has been great for me. Why? Because I took the time to read the benefit schedule and see what was covered and what wasn't. I would have gotten the medical treatment for my dog anyway but it's nice to get some money back. But folks come on... it's all in writing, no surprises, only reason you are surprised or upset is because you didn't read the VERY clear policy packet you got. I got the same packet as all of you and READ it. helloooo	Reviewed by: Cynthia Date: 11/29/2007
Rating: 10 Recommend: Y	VPI is Great I had a problem with VPI for a bit, but then I changed to a vet who seemed to know a lot about the company. When I told him I was thinking of canceling my coverage he sat down and explained what had gone wrong with my claims sign by the other vet. There is a payout for secondary conditions which was never done. Now my payback is usually 100-300 MORE than before and I am very happy. I would recommend this to anyone! Just take the time to understand the policy and have your doctor properly fill out the claim form and you will be so very happy.	Reviewed by: castala Date: 11/29/2007
Rating: 1 Recommend: N	DO NOT USE VPI I recently submitted a claim in the amount of $4,291.89 for a family pet that became drastically ill and passed away all in the same week. It was devastating to our family and friends as he was part of our new begginning in our new home etc. The reason we keep insurance is so that we can provide the best care for our pets knowing that we are backed up by a large insurance company. When I received a check in the amount of $1,118.87 it just added insult to injury and threw salt into our already gaping wound. We are not wealthy people and thought with insurance we could do everything we could to save our family members life. We have two other dogs that were going to be enrolled in the insurance program yesterday, however upon receipt of the check I dont think we will be using VPI's services again. We are extremely displeased with the care for our dog. I have several family memebers and friends that have enrolled with VPI due to our referrals and all of them are ready to leave to another company. I have tried to contact a customer care representative about this travesty but they were worthless I might as well have been speaking with a DMV employee.	Reviewed by: Garrett Bonham Date: 11/27/2007
Rating: 1 Recommend: N	VPI Will Not Pay Our dog, female ridgeback 1 year old had a lump on the neck. We have insurance through the VPI company and after we payed out 700.00+ and having the Vet. say the company has no reason not to pay, after looking through the policy, the company VPI, did not pay a red cent. The company said after reviewing the record that they (VPI) think the Vet. said it was an inkury or illness that incurred prior to the coverage. One problem with that, the coverage was in place and CONFERMED by calling the VPI company BEFORE any one even looked at the dog/lump/condition. The company VPI has no comment on that but still will not pay. We are looking into contacting the state's folks (CA) to look into this company. Not happy and Not impressed at all this the double speak we have been getting from individuals at the company. Very important also is the dog has the highest coverage we could get through the VPI company so things like this would not happen. Yea Right	Reviewed by: Andy Date: 11/15/2007
Rating: 5 Recommend: Y	worth it---but worht it if you purchase into the upper level plans, however waiting for reimbusement is VERY frustrating, they take every day of 6 weeks, and only after 6 weeks often send you a claim denied for lack of information. and than you wait ANOTHER 6 weeks, the client representatives need a refresher coure in manners,"Who is paying Who here?	Reviewed by: jbadger Date: 11/15/2007
Rating: 10 Recommend: Y	VPI Was Vet-Recommned & Has Been A Life Saver I enrolled my Labrador Retriever, Shelby, in a VPI Pet Insurance policy when she was three months old. My veterinarian recommended them because the company was founded by vets and has vets on staff, so they take pet care very seriously and have the experience to back it up. VPI was the first company that created pet insurance, more than 25 years ago. So they have a history of proven success, which is helpful when trying to decide which company is best for you and your family. Shelby turned out to have allergies, and as an active dog, has paid quite a few visits to the vet in the past five years. Thank goodness for VPI! Having a policy has certainly helped me recover from the vet bills. As with any insurance company (pet or human), you have to take the time to understand what benefits are available to you, and read the actual benefit schedule, so you know what to expect as a reimbursement, and know what's covered and what isn't. I discovered that none of the insurance companies cover genetic or hereditary conditions -- those which offer optional coverage to supposedly offer benefits for these are cloaked in marketing jargon: read the black print carefully, because you're not getting what's advertised. Also, VPI doesn't increase your premium because you submit claims; my policy only increases minimally with my dog's age. And none of the conditons I've filed claims for are considered "pre-existing." Be careful, because some of the competing pet insurance companies out there do increase your premium as you submit claims, and do sock you with pre-existing conditions once your policy is up for renewal. I continue to be a VPI policyholder after 5 years and have recommended it to family, friends, coworkers and other pet owners at the dog park. The company is reliable and takes pet care seriously.	Reviewed by: Christine Date: 11/12/2007
Rating: 9 Recommend: Y	Prompt reimbursement, approx. 75% coverage Having lost a cat to cancer last year, I researched pet insurance companies and purchased policies for both my cats this spring. About a month ago, my six year-old tabby suddenly developed two mast cell tumors in his ear that needed to be removed -- it cost slightly over $1000 at a time when money was tight. I submitted my claim right away, and within less than two weeks, I received reimbursement for nearly $635. I'm tremendously pleased with the service and outcome. The policy has more than paid for itself (and my other cat's policy, too), and now I am so grateful he is under cancer coverage.	Reviewed by: Michele Date: 11/6/2007
Rating: 1 Recommend: N	FRAUDS!!!! I'm currently considering gathering up all of my old information to submit to the BBB about VPI. I'm so disgusted by this company that I cannot even explain it in words. When I adopted Maximus, my American Pit Bull Terrier mix I wanted him to have the best of everything. I bought the best VPI insurance plan for him, with double coverage. It cost almost 500 dollars, and he was approved right away (he was a young healthy pup- or so we thought). Within a couple of months Maximus got sick, bad enough that at times he had blood coming out both ends :( It took us almost a year to find out that he suffered from the most severe allergies that the lab ever saw. After ER visits, every test you could imagine, minor surgeries, and finally allergy testing that I opted for to rule out before putting him under extremely invasive procedures (since the vets were thinking it was cancer) his vet bills were in the ball park of 15,000 dollars!!!! I didn't flinch to spend the money (I even had to max out a credit card because I was finishing up college and the company I worked for went out of business) but was hoping to receive some of it back in return. The first claim I sent in was for 500 dollars, everything should have been covered yet I only received 26 dollars back from VPI. They requested more information, information I had sent them- but they claimed not to get. So I obtained the information for a second time along with much more for additional claims. I mailed it- they "never received it" and asked me to send it again. So I did, via mail, via fax, via email- everything I could do, I did. They claimed not to get it. Finally I sent the claims via certified mail, to be sure they'd receive it. It came back to me saying they denied the delivery. (I even saved the reciept from the post office) So I started calling them about it. They were very nice until I gave them the total of my claims. Then they disconnected me. Every subsequent time I called they would hang up on me simply after giving them my name... or at the very best leave me on hold indefinitely. I waited on hold once for one hour before calling back... to be hung up on!!! I was always courteous and kind when calling, never rude... though I may have sounded frustrated toward the end of my trying for obvious reasons. I would explain to the customer service reps that I knew it wasn't their fault but explain my story and hope to be helped... it never happened. At that point I was just so happy to have my dog on the road to recovery that I didn't take the time report them. Though now, we still face many medical problems and if they would've done their part of the deal we'd still have coverage with them. He is three years old and has cost us approximately 30k to date, including the home cooked food we make him (120 per week). The insurance policy I bought would have been a major help, but they scammed me. The worst part was that they called me to see if I wanted to renew at the policy end. So I explained what happened to date to the rep. The rep apologized and said they'd try to figure out what happened, placed me on hold, and then after about two minutes they picked up and hung up!!! I'm still in shock over how badly I was scammed. I know insurance companies are out to make money, but with each policy they either make money or lose it. With VPI it seems that if you are giving them a profit they'll seem great but once you start to cost them.... watch out!! Now I would never trust another pet insurance company. I'd rather spend the money out of pocket and know that I won't be giving any money away for free! :(	Reviewed by: C. Harvey Date: 11/4/2007
Rating: 1 Recommend: N	They approved me, and then withdrew approval Got a quote and approval several years ago on an older animal. Sent in vet records before approval. Talked w/rep on phone, and he gave me his 'pre-approval' along with a quote, and a request to set up payment. One week later, rep called to tell me that their review committee (read: adjusters) had denied coverage, along with a comment on why would I want to insure an older pet, anyway? Nope, no way.	Reviewed by: Faith Date: 10/31/2007
Rating: 9 Recommend: Y	VPI took care of my dogs teeth Our dachshund, Ruby, is almost eight years oldnow and we have had VPI insurance since we got her. I cannot tell you how many times it has paid for itself. Every year when she gets her shots, she has to be premedicated because she has allergic reactions to them.. The first time this happened, the vet also noticed that she had some swelling in her neck/throat area which indicated a tooth problem. Luckily, the dentist for dogs is very close to us because Ruby had a cracked tooth and needed a root canal. It cost $1050 and we received a check for $525 from VPI. I have referred many friends and family to VPI and everyone is pleased with it. I definitely recommend VPI to anyone who is looking for a reliable pet insurance company.	Reviewed by: Laurie Date: 10/29/2007
Rating: 9 Recommend: Y	Helped my dog and me! I've had one dog insured with VPI since she was a puppy. She required surgery on both knees, with the bills totaling almost $6000: I was reimbursed almost $4000 with no problems whatsoever. If I didn't have VPI insurance I don't know how I could have helped my dog. I did dispute one denial of benefits (a dog bite wound to a previously injured eye they said was pre-existing) and they promptly paid. I have been very happy with VPI.	Reviewed by: Joanne Date: 10/12/2007
Rating: 8 Recommend: Y	Received what was expected I got VPI when I got my puppy. They accepted her w/out a problem. She ended up with Kennel Cough, which wouldn't go away for months, they paid for it, the x-rays, Rx's, and specialist visit. They paid everything up until she was diagnosed with collapse trachea, which if considered a genetic disorder and on their exclusions list. Although it would be nice to have that covered, I understand why it's not, this isn't human insurance, which I've worked in for 10 years, I understand the difference and don't expect covered based on that.	Reviewed by: Date: 10/5/2007
Rating: 1 Recommend: N	Buyer Beware.... I purchased my policy in 5/07, on 8/7/07 my dog was diagnosed with Addison’s disease. I submitted 6 claims to them spanning 6/07 - 8/07. They denied all of them 2X's($2700). First b/c they wanted medical records, which they should have asked for prior to accepting my policy. Then they claimed that the medical records indicate that in 4/07 my dog "may have had” a pre-existing condition of Hepatitis therefore all claims for Addison's are excluded. According to them Addison's can result from Hepatitis. News Flash... My Dog NEVER did not have, nor does he NOW have HEPATITIS. His liver enzymes were slightly elevated b/c he was fighting off an ear infection, WHICH WAS DISCLOSED TO THEM. They changed my vet's diagnosis from Addison’s to Hepatitis. Every time I call customer service they are unhelpful, aggressive and down right nasty! I'm cancelling my policy b/c the next time I send them a claim they'll find a way of linking it to Hepatitis just so they don't have to pay the claim. Tell me, if my dog breaks his leg, did he have a pre-existing condition of playing that caused the leg to break??? I'm sorry I ever wasted the time. Sorry I wasted my time.	Reviewed by: Denise P Date: 10/2/2007
Rating: 1 Recommend: N	Had to hire an attorney to get reimbursed. My dog fell off of our bed and ruptured her disc in her back. Within a few hours she was paralyzed. We had to take her to a specialty hospital and after surgery we had over $3000.00 in vet bills. They denied the claim and said it was pre-existing. After letters from 3 different vets, one of them her neurosurgeon, all stating NOT pre-existing, it was still denied. We finally hired an attorney and sued for our money. Of which, we won.	Reviewed by: Jim Date: 9/21/2007
Rating: 1 Recommend: N	They Got Me To! My dog broke her knee and had two surgeries totaling over $4,000. VPI paid me $700 for the first $1,700 surgery and $97 for the second that ran $2,300. Their explaination is that the second surgery was part of the first and that we had exceeded our benifit. I spoke to a supervisor but to no avail. Wish I had seen this site before buying VPI, would have gone somewhere else. I going to cancel once this problem is resolved. Don't buy VPI!!!	Reviewed by: Stan M Date: 9/13/2007
Rating: 4 Recommend: N	Looking for another Pet Insurance Company They just changed their policy and are covering less in well care...no dental...no spay or neuter unless you are on the most expensive plan...still not worth the money. We are a vet hospital and provide insurance to our employees....and we are looking for a different provider.	Reviewed by: Julie Date: 9/13/2007
Rating: 9 Recommend: Y	Good, but a mystery I have been a VPI client for 7 years. We've been happy with the coverage. The process is easy, and getting easier with new modifications (not requiring vet signature on claims forms, etc). If I had one criticisim, I'd say that it is always a mystery how much we get back. I feel I have little ground for debate if I don't get back as much as I think I should. But every year, our refunds for vet services have been well worth the affordable premuims.	Reviewed by: Diana Date: 9/11/2007
Rating: 1 Recommend: N	Not worth it I have a 4-year old mixed breed dog recently diagnosed with an autoimmune disease, which is very difficult to diagnose. VPI will not pay for the tests used to exclude certain diseases. They only pay for a small fraction of the cost of the tests that are directly related to the eventual diagnosis. So, they paid about 15% of my most recent claim. What happens when you have an animal with a difficult diagnosis? What happens if you never get a diagnosis? You get nothing. Avoid at all costs.	Reviewed by: Joyce Date: 8/31/2007
Rating: 1 Recommend: N	Not Even Close My dog broke her patella (knee) and needed surgery. The cost was $1,700 and VPI only gave me $700. I called several other vets and the $1,700 was within the norm. VPI's reimbursment schedule is not based in reality. I'm going to cancel once my dog is healed.	Reviewed by: Stan Date: 8/28/2007
Rating: 1 Recommend: N	Worthless Insurance Company This company is worthless. I filed 3 different claims and all 3 were denied because of BS exclusions by their underwriting department. Customer service is completely useless as well... they say they are bound by their policies and don't offer any sort of customer satisfaction. I HIGHLY recommend shopping elsewhere... this company is a joke. I wish I would have started with another company instead...	Reviewed by: NP Date: 8/1/2007
Rating: 1 Recommend: N	horrible, awful coverage runs out quickly, claim forms are a pain. barely covered for anything. don't get suckered by these guys- they put up a good front. i dropped them after only 4 mos. they were taking all my money and providing no benefits.	Reviewed by: Mandy Date: 7/31/2007
Rating: 3 Recommend: N	Not Worth The Cost! I actually had them for one year. The pay-out of premium for one pet was over $300. I now have a discount program for my pet, which actually works to my advantage, as I receive 25% off right at the vets office with no paperwork to fill out and no waiting period for an insurance company to decide to pay. Oh and by the way, the premium is $99 a year for one dog. I have to go to a participating vet, but there are plenty to choose from. Such a savings!! There are alternatives out there. Search the internet and SAVE!	Reviewed by: Brandy Date: 7/31/2007
Rating: 1 Recommend: N	Never Again I had VPI and received the worst treatment. Paid out hundreds of dollars in monthly fees to them, then paid hundreds, almost thousands on vet bills all for a lousy 119.00 reimbursement. Thieves. I am now enrolled in Pet Assure. May not be insurance but it is a guaranteed 25% off every time i visit my vets office. And i dont have to wait to get it. It comes right off of my bill.	Reviewed by: JoAnne Date: 7/30/2007
Rating: 1 Recommend: N	THEY SUCK DO NOT BUY ! ! ! Had my two Pekingese, Daisy and Duke insured. I OFFERED to send med records. They said I did not need to. June 17th Duke started yelping loudly. Turns out he has a bulged disk between C3-4. I submitted 2400.00 claim and asked if they wanted records. They said "not necessary" Today I get a request for records. These people are sleazy at best. I am filing an "order to show cause" as to why they should be able to write in the State of MN any longer.	Reviewed by: Rich Hervieux Date: 7/23/2007
Rating: 3 Recommend: N	Terrible for chronic illness My cat was hospitalized twice for renal failure and eventually had to be euthanized. However, because of the benefit schedule, they only paid $290.00 of a $2900.00 claim.( the second hospitalization). The explanation was that the claim exceeded the "benefits schedule" since it had been applied to the first hospitalization.I had paid on this policy for years and this was the first time I had used it.What's the point of having a policy if after paying for years, you still end up with an out of pocket expense of almost $4,000.00? I am cancelling the policy on my remaining cats. Thankfully, there appear to be better companies out there.	Reviewed by: Maggie Date: 7/21/2007
Rating: 10 Recommend: Y	Great Company! Very Professional! Received my wellcare reimbursemnt within 2 weeks! Payment was exactly what I expected. I'm very pleased with VPI.	Reviewed by: Michelle Date: 7/9/2007
Rating: 10 Recommend: Y	Happy multi pet owner I sleep better at night knowing my pets are covered with VPI. After VPI helped cover the costs of my dogs cancer treatment with susequent limb amputation. I will never would have been able to afford it on my own. They gave me the chance to do everything possible for my baby girl.	Reviewed by: Sammi-CA Date: 7/5/2007
Rating: 9 Recommend: Y	Wonderful VPI was there for me when I needed them. My dog got hit by a car after braking leash. VPI paid more than 3/4's of my vet bills.	Reviewed by: Keith Date: 7/5/2007
Rating: 3 Recommend: N	I'm so very disappointed $1500.00 in vets bills for serious ear infections and more expenses for medicine and exams and the midicine was $165.00 for one and the other medicine was also expensive and I had to wait for them to reimburse me and I was shocked to see that they only paid $245.00 for the first claim and another $45.00 for another vet visit and medicines which came out to over $200.00 and all I get is another check for $4.95 and I definately will be getting quotes from other pet insurance company's. Even my vet was surprised to hear how little they paid. I also had my dog neutered since he had to go under anestesia to flush out his ears and I saved on the anestesia so it was less for him to be neutered and all they paid on that was $65.00. I will never deal with them again.	Reviewed by: Marlene Date: 6/25/2007
Rating: 1 Recommend: N	horrible insurance company I purchased insurance for my three months old puppy. VPI granted the insurance without asking for any vet's document saying no documents are required for a new born puppy. 8 months later, I brought my puppy to the vet for a routine check up, when I filed the claim the problems began. I filled out all their forms and provided all of the documents; however, VPI refused to acknowledge the claim. VPI send me a mail asking me to provide full health check documents of the puppy up to the routine check up. The vet I brought my puppy to had moved and I had changed vet since I brought my puppy home. VPI refused to acknowledge the claim without all the previous health checks from vets. VPI should have asked for these documents before they had granted the insurance instead of charging the premium every month until a claim was filed before asking for the documents. Horrible insurance company; terrible ethics.	Reviewed by: Collin Date: 6/11/2007
Rating: 2 Recommend: N	Definitely switching to another insurance company! I purchased my dog's health insurance plan right after I bought her. I found VPI through my vet's puppy information packet which I received with my dog's first visit. I think it's a great idea to have pet insurance, but I suppose I should have done shopping around before I settled on VPI. They may the nation's largest pet insurer, but I'm absolutely positive that they can't be the best! I bought their superior plan with a wellness rider thinking that it would cover much of my puppy's first year's bills (vaccinations, spaying, etc.). Was I ever disappointed and mislead! I payed $431 for spaying (including pre-surgical bloodwork, anesthesia, spaying, micro-chip, overnight stay, etc.) and had to wait almost 2 months to receive a check for $70! This company is very slow to process claims and does not reimburse the amount you're expecting. Be very leary!	Reviewed by: Sal in PA Date: 6/4/2007
Rating: 10 Recommend: Y	excellent growing company VPI is an awesome growing company going through some growing pains. The reason some claims are taking longer than usual is due to an unheard action, they no longer have the 180 day time limit, thus their claims have grown immensely.	Reviewed by: cynthia Date: 5/16/2007
Rating: 1 Recommend: N	coverage poor, customer service rude They claim to cover 80% of the cost. Based on my experience, after VPI applies all of the 'fuzzy' exclusions, only a fraction of the cost is covered. Total waste of money! You pay the vet bills AND you pay for insurance.	Reviewed by: mee Date: 5/5/2007
Rating: 9 Recommend: Y	Pleased with the Insurance I have been very pleased with the coverage I receive. One of my dogs had to have a toe amputation and VPI paid for about 80% of the surgery. I have received payment in a timely manner every time I have processed a claim.	Reviewed by: T. Sakash Date: 5/3/2007
Rating: 1 Recommend: N	Not Worth The Investment I had VPI for 3 years for my husky (from a pup). At first they seemed to be good for reimbursement and getting the claim done. Recently had to take my husky in for a cough and the claim process was slow,(close to two months) and I barely got anything back for reimbursement. I called to see why and they have what is called a set benefits schedule. It doesn't matter where you live and how much you pay for a visit and care they only pay according to their benefits set of schedule. It's not worth the investment and have since found another pet insurance company that seems to be alot better. Shop around for the best possible pet insurance. Don't bother with this one....not worth the investment.	Reviewed by: Beth Date: 4/29/2007
Rating: 10 Recommend: Y	Exclusion after a year I was very happy that vpi paid on my pets cancer for nearly five years. another company had stopped paying on the cancer claims after my pet had it for a year saying it was pre existing now. how awful! my pet could have died! very satisfied with vpi.	Reviewed by: Revital Date: 4/25/2007
Rating: 1 Recommend: N	A VERY FRUSTRATING COMPANY I had a wonderful beautiful Boxer who died of cancer in 6/06 I spent over $7,000 in her care in a 6 month time span so when I got another boxer I decided insurance is a must they made lots of promises but have never done much of anything in reimbursements. I have enrolled 4 animals with every rider that they offer and pay over $130 a month, of the $1200 my vet has submitted they have only paid $167! Luckily I have stumbled across another insurance company that is wonderful! Also, you can NEVER get an actual person on the phone, and when you do they are rude and evasive when AVOIDING your questions	Reviewed by: Hallie Date: 3/28/2007
Rating: 4 Recommend: N	had for years, not impressed never really had problems, definitely slow payment on claims... they dont actually cover a lot according to the 80% of THEIR reasonable and customary rates. Vaccination coverage is NOT worth it, better off paying that out of pocket. Premiums going up a lot this year, dog turning 6 years old. Looking around for better rates and coverage and doesnt seem like I'll have a problem finding better coverage. After reading these horror stories, I am glad i haven't had any catastrophies, and also want to get new coverage before I do (knock on wood).	Reviewed by: Alison Sanchez Date: 3/23/2007
Rating: 1 Recommend: N	BAD BAD COMPANY I would say most all of the people that said they don't pay good and it takes forever are correct. I have kept track of all my phone calls and have enough for a book now. They keep adding on how long it takes to process your claims and now it is up to 45 days. Even takes a couple of months to get your claim paid for cleaning teeth--what,s there to review on that. Should be paid within a week. Their customer service is unacceptable. When they do say your check is being mailed out, it still might be another two weeks. Very disappointed in this company.	Reviewed by: Joan Simmons Date: 3/5/2007
Rating: 1 Recommend: N	Check was it covered. Not worth it. I have had 3 pets covered for over 5 years. I paid for the highest coverage. Most times when you need it the procedure was not covered (check the small print). It was running me appox. $75 per month. Terrible. Not worth it.	Reviewed by: Date: 2/27/2007
Rating: 1 Recommend: N	not worth the money We bought the insurance and were disappointed from the first time we needed to use it. We needed to have surgery on our dog and were told that it wasn't covered. With the exception of her annual shots and a trip to the emergency room for a stomach ailment, everything else was "not covered" - eye surgery, vomiting, deydration. You would be better off saving your money and paying it to the vet rather than paying the insurance company and never seeing your cash again.	Reviewed by: Tami Date: 2/24/2007
Rating: 10 Recommend: Y	Great Coverage & Service My pet had a Histiocytoma removed and they paid 90% of the bill after the $50 Ded! I called in to verify they had received my claim after I had submitted it and the representative who assisted me advised me the diagnosis was not on the claim form. She helped me to understand what was needed to get my claim processed & how to re-sumit the info. She went the extra mile for me as she could have just told me it was recd and in process but she carefully reviewed the entire account & I greatly appreciated it!!	Reviewed by: Gina Date: 2/13/2007
Rating: 7 Recommend: Y	Been Consistant Well, I've not had a problem on the more expensive treatments. I've filed my claims and within 4 weeks I've gotten my reimbursments. After reading the reviews, I'll be vigilant.	Reviewed by: Barney Date: 2/13/2007
Rating: 1 Recommend: N	no peace of mind - premiums much > avg payout Although they will reimburse for regular maintenance, if you are in any trouble with your pet, they are completely unhelpful. The way they pay your claim (if it's even covered) is set on an amount based on averages (that should be red flag #1) and then only pay 90% of that, so if the diagnosis is serious with high medical bills, the payout is usually very low (but very profitable for VPI). Our claim was $1500, with a payout of $250 even though we have paid thousands of $s in premiums over the years (this is our first non-maintenance claim). This results in you paying high monthly premiums and them paying back very little to their policyholders for major items, things you would think would be covered in any health insurance plan. Pet insurance is supposed to give you peace of mind, yet VPI provides none when you really need it. So unless you don't care about the quality of care for your pet or live out in the boondocks where you can pay the local vets with chickens (they've been quoted saying that their plans can cover up to 96% of costs "on average" if your vets costs are within their ranges - very unlikely for most of us as well as completely MISLEADING advertising), it's not worth it, there are many other better plans out there (with comparable or even better monthly premiums) with superior customer service. Get out of VPI now before your pet gets sick and it gets noted as a pre-existing condition with another policy. VPI may be the largest pet insurance company, but they are the worst in payouts and service (it's absolutely ridiculous the hoops you have to jump through to even process a couple hundred dollar payout). BUYER BEWARE - DO YOUR RESEARCH AND READ THE FINE PRINT!!! ALSO, THEY ARE A COMPLETELY PAPER PUSHING COMPANY WITH VERY LITTLE FOCUS ON CARING FOR YOUR PET!!!	Reviewed by: Robert Date: 2/11/2007
Rating: 2 Recommend: N	horrible company I purchased this policy in 06/2006 for 3 dogs. They refused payment for an allergy dog. I cancelled 2 mos after purchase (that is how long it took them to deny claim) & they prorated the refund (ALOT). I have another dog diagnosed in 09/06 with Addison's; to date (its Feb. 07); I have yet to be paid any compenstation! Including surgery when she was bit in Oct. 2006 by another dog. They constantly drag their feet saying they need more documents - they have every thing! I rather I had kept my funds and paid for my treatments with it!	Reviewed by: Cynthia Date: 2/2/2007
Rating: 10 Recommend: Y	They make sure they do it right When I submitted my claim to them, I forgot to include the reason my pet went to the vet. Sylvester had been itching for a while and his eyes were very runny. The vet sent him home with antihistamines and antibiotics. When VPI received my claim, they did not have enough information. There was a slight dely, but I received a request for more information. Realizing that I had neglected to do my part, I sent the additional information they requested. Four weeks later I got a check for a very decent amount. When it comes to my pet they deserve the best. VPI really makes sure they do everything in their power to provide you with your monies worth. I purchased everything for Sylvester, The superior plan, wellcare rider and Cancer endorsement. I don't get back every penny I spend, but for the amount of money I pay per year on my dog and the amount I get back I totally helps me out.	Reviewed by: Elizabeth Date: 2/2/2007
Rating: 8 Recommend: Y	No Problems My girls have lots of allergies and one has bladder issues...they always pay and if they don't cover the whole bill they always include a code to let you know why it wasn't covered.	Reviewed by: Robin Date: 2/1/2007
Rating: 10 Recommend: Y	The best I am a first time pet owner and decided I would do this. VPI paid for itself in the first year. i have the superier plan with the cancer protection added.It covered most of his neutering and microchip. It also covers his preventative vaccinationsand routine check-ups. I have never had any issues with claims being denied. The only thing is it takes about a month after I fax the forms to them for the check to arrive but all in all, they are the best.	Reviewed by: Donna Date: 2/1/2007
Rating: 2 Recommend: N	forced requirements/non pay aloha: insurance started as a mixed breed eight week puppy with discount each year no claim was made. change 1. discount no longer in effect at year three. 2. must take lost pet insurance rider. pet finders on the us mainland will call vpi when hawaii pets are found lost on the us mainland. common sense says it's a big scam as finders of pets call their local humane society when a pet is found. not vpi pet insurance. pet finders do not even know vpi pet insurance exists. 3. notified that vpi now covers frontline. fine.. when frontline receipts were submitted however, the answer: claim denied. for us: end of vpi forever. it's a scam.	Reviewed by: digger Date: 2/1/2007
Rating: 2 Recommend: N	Late or no payment on claims I have so many complaints that it would take hours to list. My main issue is the 3 hr hold time with customer service, the lack of replies to emails, the lack of timely claim payment and the billing issues. My credit card was stolen and of course, it was done the day before they tried to charge for my 3 dogs premium payments. We had two dogs die of cancer and spent about $25,000 on them so we gladly pay about $180 a month for some kind of security for the future but, when the charge didn't go through, they termd the insurance and denied any claims submitted prior to the term date. They never bothered to call us! I called them 2 days later to give them a new card and they were rude about it and reprimanded me about keeping an active, non expired or cancelled card on file. Oh, and they billed us for a few months vs the one month they were attempting to charge for. The other thing they fail at is the deductible. I took my older dog in for a skin issue. The follow up visit was to be covered with no deductible. They charged it anyway because the vet also looked at her spondilosis. Even though that was not the main diagnosis, I paid the deductible yet again! Someone needs to come up with a better plan!!!!!	Reviewed by: Kim Walker Date: 2/1/2007
Rating: 10 Recommend: Y	VPI Our first experience with VPI was with our Yellow Lab, Traveler... He had ACL surgery 3 times, then was diagnosed with Larangeal Paralysis. He had the tie-back surgery. And had several bouts of pneumonia. VPI was a godsend... Our next was with Hunter, at 11 months he bacame ill. After several days of hospitalization and surgery, we unfortunately lost him. VPI again was great, all the way throught the (2) autopsies... We nos have it on our current dog Keeper...	Reviewed by: Gary Date: 2/1/2007
Rating: 2 Recommend: N	Won't pay claims and won't tell you why I have had this coverage for 2-3 years. Up until recently, we only had to use it once a year for an annual exam. (We purchased the rider so that routine care is covered.) They paid those "cheap" claims easily. Unfortunately three months ago my dog got critically sick and we spent several days and several hundred dollars in emergency vet costs. To date they have not officially responded in any way to the 4 claim submissions. They won't pay and they won't even tell me why. I have called six times but have been left on hold so long that I gave up waiting for a human. I have tried emailing but they won't respond with any claim-specific information. They will confirm receipt of the claims, but will not say anything beyond everything is still "under review". Their customer service is beyond awful. Once we get this mess behind us, I'm cancelling my coverage. It isn't worth it.	Reviewed by: Patti Date: 1/17/2007
Rating: 4 Recommend: Y	They are okay Creates trouble when they have to pay. They are good in getting monthly premium promptly. Not good in paying what they promise to pay.	Reviewed by: Swati Singh Date: 1/15/2007
Rating: 1 Recommend: N	Terrible Service and did not pay! I had my Maltese enrolled in the Superior+Wellness plan for 9 months. I finally had to submit a claim and the first claim took 60 days and 5 inquiries by E-mail and phone to get the written response they were not paying anything claiming it was preexisting. Read Consumer's reports that this plan is a rip off. Save the $50 a month in a savings account for when your pet gets sick and bank the interest. Instead of insurance get a savings plan where your participating local Vet takes 25% off the bill each time and be ahead of the game. I'm cancelling his policy immediately as I'm sure they will do the same crap for the other two claims I have in and I'm not waiting 60 days to find out as I'll be able to save $100 from not paying the policy and only be out $300 instead of $400.	Reviewed by: Dave Date: 1/14/2007
Rating: 1 Recommend: N	Certificate of Euthanasia Requested My dog passed away in mid-August. I notified the company August 20. Payments continued to be drafted each month including on Christmas Day from my account. I called VPI on 12/28 wanted to know why they would continue to draft and they stated that they wanted a "Certificate of Euthanasia" to prove my dog was indeed deceased. I faxed it to them within 30 minutes and it still took two weeks for the drafts to stop. The companies lack of compassion is unbelievable.	Reviewed by: Michelle Date: 1/12/2007
Rating: 2 Recommend: N	Waste of Money Had them for 7 years. Finaly really needed them. Dog had Hepititus. $3600 returned $600. Big waste. Major scam Do not do.	Reviewed by: S Anderson Date: 11/9/2006
Rating: 8 Recommend: Y	very good VPI has provided what they offer in a timely fashion and covered routine, preventive, and illnesses for our two year old springer. One needs to read what is covered and for how much before deciding on a plan.	Reviewed by: Rick Ackerman Date: 11/7/2006
Rating: 1 Recommend: N	Disrespectful and No Pay Our 10 mo old kitten passed away from a rare (and covered) disease and 5 mos later, they have not paid on our claims. They want us to give up.	Reviewed by: Joey Date: 11/4/2006
Rating: 7 Recommend: Y	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.	Reviewed by: Ssmith Date: 10/3/2006
Rating: 2 Recommend: N	Disappointed! My dog needed surgery on her knee cap and of course they don't cover that procedure. This is a $1500 dollar surgery. What do you think I bought this insurance for! They also have problems with their claim forms. Sometimes they get it and other times they don't. Looking for another pet insurance company!	Reviewed by: Kim Regan Date: 10/3/2006
Rating: 2 Recommend: N	Big Waste they really don't cover much of anything … someways worse than human insurance	Reviewed by: John Hudson Date: 9/16/2006
Rating: 10 Recommend: Y	Wonderful Dedicated Staff, I wouldn't have a pet without you.	Reviewed by: Oriana B. Armstrong Date: 9/15/2006
Rating: 9 Recommend: Y	The Best I have been with VPI for 6 years and have never had any complaints. I must have filed over 10 claims and never had any problems. Worth every penny.	Reviewed by: Cindy Scott Date: 9/6/2006
Rating: 3 Recommend: N	Expected more My lab got a nasty cut on his leg, so I took him to our vet. I was billed $388.10. I have a $50 deductible, but VPI only reimbursed me for $129. Doesn't seem fair	Reviewed by: lemme Date: 7/11/2006
Rating: 2 Recommend: N	They never acknowledged my claims. I sent in claims to VPI regularly after all veterinary visits. When I finally called them to ask them why I was not receiving anything for these claims, they told me the claims did not exist and that they had never received a single one. They got angry when I said I had sent them and refused to reimburse me at all.	Reviewed by: Barbara Date: 6/27/2006

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