Nationwide | Pet Insurance Review

I have one dog who's 6 and just got 2 other dogs from a kill center who were both just over one year old. I got VPI pet insurance on all 3 dogs and initially was satisfied with the coverage. Then VPI started adding "exclusions" to the policies of my 2 newest arrivals. The eye infections were not covered and would not be in the future; they had chronic diarrhea for a couple months and VPI determined that should be a new exclusion; VPI paid a whopping $75.00 for an annual health exam, which costs over $200. I had regular coverage and major medical. They my insurance rates began going up and up; coverage that began at approximately $54.00 per month per dog was $74.00 per month per dog just 4 months after the initial policies started -- and VPI NEVER informed me of the rate changes (I had an auto pay plan and a $250 deductible for each dog). I ended up cancelling all the policies because the cost to benefit ratio was just not worth the hassle and whenever I called VPI to question a non-covered item (which was covered in the initial claims) the representative always said "this is not normal health insurance." What??? Very disappointed in VPI and told them so when I cancelled all 3 policies.

Have had VPI for several years. Always responsive and coverage has been great!

I LOVE MY DOG MORE THAN ANYTHNG IN THE WORLD. UNFORTUNATELY SHE HAS HAD A LOT OF MEDICAL ISSUES, I THANK GOD THAT I LEARNED ABOUT THE COVERAGE THRU MY UNION AT WORK AND PUT HER ON IT WHEN I RESCUED HER AT 7 MONTHS. THE COVERAGE HAS BEEN GREAT AND I CANNOT SAY/PRAISE ENOUGH ABOUT THE INSURANCE COVERAGE.

Gabby is 10. I purchased VPI at age 2. She was discovered to be diabetic 4 years ago. The coverage has been wonderful. Along the way, she had an ACL tear repaired and a mast cell tumor removed. By having VPI coverage, the vet medical expenses these past 4 years has been covered at an amazingly high level. In one circumstance, I was somewhat disappointed by the covered level repayment. I called to inquire hoping to better understand the claim limitation. Much to my surprise the customer claims rep took the time to further drill down into the case history. Once she heard more of the history, she offered me an opportunity to resubmit the claim. To my surprise my reimbursement increased from $25 to $450. I was extremely pleased by her willingness to help. Frankly, she could have explained it as $25 is all we pay.... Just in the past 18 months, I have received approximately $3600 in reimbursements. I am happy to recommend VPI to friends and pet enthusiast every chance I get. It has made my pet's medical care much more affordable, as well as limiting any hesitancy toward the best treatment plans for her.

I have two dachshunds and they are notorious for back problems. I purchased the medium coverage plan for both of them and it has come through for me on several occassions. My 6 year old already has back issues and they have covered all the treatments. My 12 year had infected teeth and had to have surgery, once again they covered all of it. Best thing I ever invested in!