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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 9.0 8.9 7.8
Count 19 274 2807
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Reviews of VPI

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10/10   Love love love VPI, 11/18/2014

Reviewed By: Kayla Hopkins, Recommend: Y

I have had VPI ever since my English Bulldog was 6 months old. It is THE best decision we have ever made. We got my sweet Zeus when we were both in college. He has had so many problems- ranging from ear infections to spinal stenosis, 2 torn ACLs, eye ulcers, and recurring bladder infections. (I promise we really are responsible pet owners) I guess our bulldog is not as high quality as we thought... Without VPI, there is no way we would be able to care for Zeus. We have had so many unexpected vet bills, and it has been a huge blessing to get so much of it back. I have been impressed with how much they have reimbursed us for. Some things they don't cover, which is fine, particularly some things Zeus was born with or were hereditary. In his 3 years of life, he has had 7 surgeries & is about to have another next month, and VPI has paid most (if not all) of all but one or two of the surgeries. I will NEVER have a dog without VPI. You never know what could happen to your beloved fur baby, and VPI has enabled us to give him the best care we can. Thank you SO much VPI. I don't know what we would do without you!
Injury/Illness: ear problem eye problem skin problem enteritis/diarrhea bladder torn ACLs, spinal stenosis   Breed: English Bulldog
Claim Amount: over $1000   Age of Pet: under a year
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5/10   So so insurance, 11/16/2014

Reviewed By: Samantha Findley , Recommend: N

Not as easy to reimburse. Took way too long when I sign up for Optimus wellness plans. Plus side no deductible but that is it! Cross finger that once I send in the receipt and other paper works. They won't give me a run around.
Injury/Illness: Regular basic check up   Breed: Miniature Pinscher
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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10/10   Wish I'd had this insurance on my previous pets, 11/13/2014

Reviewed By: Marie Keirstead, Recommend: Y

Since joining up with VPI 5 years ago, I have been 100 % satisfied and happy with this company. They have an easy web site to use and fast turn around payments. I highly recommend this company to friends and family with pets. I truly wished I had known about this a few years ago. I think Veterinary Offices should have this information out in their office so that we can take a booklet and decide for ourselves if it what we want. I have 4 cats, and they mean the world to me, so they are covered when health issues arise.
Injury/Illness: severe upper respiratory infection   Breed: Ocicat
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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8/10   Prompt refund on the vet bills accumulated., 11/9/2014

Reviewed By: Susan Van Name, Recommend: Y

5 yr. old pomeranian with first gastritis, then pancreatitis having to be in hospital every day for a week and then a urinary tract infection all within a few weeks of each other. Each time I mailed a claim in at least 3 wks I had a check that covered a good portion of the bill. As we are retired, limited funds I had to charge at the vet. So it was wonderful to be reimbursed some. I feel the monthly premium was reasonable but it has gone up and it scares me if it were to go up each year if I could afford it.
Injury/Illness: gastritis/vomiting   Breed: Pomeranian
Claim Amount: over $1000   Age of Pet: 1 - 8
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10/10   VPI does a great job, 11/7/2014

Reviewed By: Benson Lancelot, Recommend: Y

My dog Benson is doing great, full recovery and a happy guy. Thank you for checking and for inquiry. VPI always does a great job of processing claims and for appropriate reimbursement based on the policy.

Patrice & Benson
Injury/Illness: skin sycst   Breed: Giant Schnauzer
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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Most Helpful Reviews

6/10   VPI is OK --- consumers need to educate themselves,
I've had a VPI policy for about 7 years and recently had to submit a claim for the 1st time. Submitting the claim was easy and they paid within about 2 weeks. I ended up getting about $3,000 of my $6,000 vet bills back. Here are my thoughts - 1. I would have liked to get more than just 50% back from VPI. But I chose VPI and I chose a system that deals with standard and customary fees. I chose a… read more

Reviewed By: denver
9/10   Totally Satisfied,
Yes, I would recommend VPI to others and have. First, I must agree with a few of the comments regarding coverage costs. I do feel that their (VPI) customer scale by which they gauge our reimbursement for Veterinary Services could be improved and more up-to-date with current cost structures. The actual costs incurred far exceed what is allowed by VPI and with the deductable it can be frustrating on what… read more

Reviewed By: Gloria Gunderson
9/10   No major gripes with VPI,
We have our two 5 year old golden retrievers enrolled in the VPI superior plan. Jack, who we have had since a puppy, has been enrolled since about 6 months of age. Chloe has only been enrolled for the year that we have had her. Jack has had sooooo many health issues, it has been wellllll worth the money for his plan. He has chronic skin infections due to allergies (he's allergic to human dander,… read more

Reviewed By: Kelly
2/10   the problem is their UCR,
VPI uses a usual and customary fee schedule more than 8 years old. Therefore, you go to the vet, pay let's say 500 and VPI (because they use outdated information) thinks the visit SHOULD have cost 150 - they then reimburse 80% of 150 or 120.00 on your 500.00 claim. (this is a terribly generous example - the reality is much worse). Find another company that either does not use a UCR at all (pets best is… read more

Reviewed By: Ellen
7/10   definitely a yes,
I have had pets all my life. with our newest additions, a german shepherd and a kitten, I decided to give this a try. all claims have been processed promptly. Unfortunately, the biggest payoff would be with a large claim. I wish I had this for my older dogs. then we wouldn't be hesitating about some surgery our lab needs. read more

Reviewed By: Ssmith
Compare VPI to similar insurers

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  • VPI vs Pets Best
  • VPI vs ASPCA

  • 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