Stay away from VPI,

Out of 10

If you are like me, you love your pet to death. I have no problem with insurance companies making profits either. As a pet owner, I assume the cost of annual vet, heart worm meds, and flea treatment. It is the cost associated with being a pet owner. You buy pet insurance to cover yourself from the financial hit that can come from an unexpected Vet Service you pet needs . On the surface, VPI looks like a very good company. The monthly rates verse coverage limits are very reasonable. However, VPI has its own chart what it calls Customary/Reasonable rate that it will reimburse for particular procedure. But this customary/reasonable chart VPI uses is nowhere near real world prices. Now unless you are in the medical profession or possible medical billing, the average person is not going to understand this chart. VPI is counting on this, they suck you in with what appears to be a good premium to coverage limit ration, but the coverage limit VPI quotes you is a red herring. I was lucky. I discovered VPI Customary/reasonable chart as being predatory on a small issue. I had an active dog that was limping badly. Being concerned took to the vet. Vet did examination. No bone problem, but was either a strained or torn tendon. Decided that best to proceed with a strained diagnosis and sent home with 2 Prescriptions (1 for Pain and 1 anti-inflammatory). $50 for the exam, two prescriptions, taxes, came out to approximately $115 So I was expecting an reimbursement around $50 (115

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Soft Tissue/ leg tendon
Claim Amount
$100 - $500

Jack Russell Terrier

Age of Pet
1 - 8

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