extremely disappointed, don't be fooled

Out of 10

VPI was recommended to me by my veterinarian based on their likelihood to honor their policies and pay out on submitted claims. Foolishly I took my vets advice and opened a VPI Major Medical Plan policy (what is supposed to be their best coverage)for my, at the time, six month golden retriever Murphy in mid-February of this year. In mid-March my dog was treated for a bad case of gastroenteritis (diarrhea) and additionally examined for a potential foreign body obstruction. After submitting a claim for what I considered a routine treatment, and one that would no doubt be covered, my claim was denied. The reason given, after a requesting and review of my dog's entire medical history, was that this treatment of falls under the occurrence of a pre-existing condition. Since my extremely young puppy had a previous occurrence of diarrhea prior to him being covered VPI excluded him and refused to pay the claim. Needless to say, I was stunned. Any company that claims to have the on-staff veterinary experience to ensure claims are reviewed fairly and expertly would know that diarrhea can be caused by basically anything in a puppy. For example, my dog had a hard time with teething during the exact time of his diarrhetic episode. VPI claimed all the instances were related and therefore coverage was excluded. Upon calling customer service I was additionally told that not only is this claim not being honored, but that my puppy would have to remain diarrhea free for six consecutive month

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Claim Amount
$100 - $500

Golden Retriever

Age of Pet
Under a year

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Posted: 07/26/2012

Omg! This is exactly what we have just been through! Exact same policy exclusion. This is crazy !