Stay away from VPI

Out of 10

Beware of VPI. What you need to understand is that you’re Coverage (in my case $9,500) limit of your policy is irrelevant. VPI uses a Customary/Reasonable chart for Max payout per condition that is far below what any real vet would charge. I have no problem with the Insurance Company making a profit. I understand exclusions too (Although I think VPI pushes the boundary on this issue too). I completely understand that an insurance company does not want to pay a vet $1000 for my Golden’s Ear infection. But VPI Customary/Reasonable chart goes well beyond this. VPI uses the customary/reasonable chart to basically make coverage for the more expansive vet procedures to cover 15% to 20%. My beloved Golden was limping severely (Not good for this Tennis Ball Fetching Friend of mine). After a couple of days, I brought him into my vet. Long story, my vet thought it was just a strained tendon. Recommended I keep him off it, gave me some prescription pain medication. The Cost for Exam, Medication, X-Ray= $117. Very reasonable. If I had shopped around, I might have been able to save $5. I thought I would get a reimbursement of $40 to $50 range. I almost did not even file a claim (Did not want to go through the trouble of doing all the paperwork for just $50. But I thought, well I am paying for the coverage). When I got my check for $6 and change. I almost fell out of my chair. Thought this had to be a mistake. Again, I almost just accepted it because did not want to go through the

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Soft Tissue
Claim Amount
$100 - $500

Golden Retriever

Age of Pet
1 - 8

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