Beware of LOW reimbursement schedule

Out of 10

VPI pays based on its reimbursement schedule, which does not even remotely reflect real life Vet costs. Also, many things are not covered at all. Of course you don't know this when you buy the policy. With cancer, they reimburse about 20 - 25% of actual out-of-pocket costs. When you do file a claim, the Explaination of Benefits they send is often vague and confusing so that you don't understand why things aren't covered, or that they might reimburse more if they had more information from your vet. The customer service people are very very nice, but are often unequipped to answer simple reimbursement questions in plain English. In general, if you NEED INSURANCE to care for a sick pet - you are not going to get a lot of help from VPI.

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Claim Amount
Over $1000

Golden Retriever

Age of Pet
1 - 8

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Posted: 12/23/2012

I have been with VPI for many years, insuring 3 Goldens. I have just gone through the heartbreaking experience of losing my 4 year old little girl to totally unexpected kidney failure. At a time when I really needed the security of the insurance policy I've been paying for, VPI reimbursed only $208 of a $2,300 claim. I resubmitted for a more intensive review, & today received an additional $87. I'm appalled at this experience - it made a very traumatic time so much more painful.

Posted: 12/31/2012

This is absolutely true. Further if you have more than one diagnosis they make sure to use the diagnosis that pays the least. They flat out did not pay for my cats surgery because they claim Lymphoma was a primary diagnosis even though it was secondary to his surgery. Of over $6,000 in bills they have reimbursed my slightly over $1,000. Hey operate in bad faith.

Posted: 01/21/2013

I concur. Don't ever buy VPI. The coverage amount ($9600) is a fallocy. VPI uses the customary & reasonable schedule that is predatory. It is not just cancer. Basically VPI says a vet should charge $x for this procedure. This amount is at most 50% (And gets down to about 15%) of the real world charges. Before you purchase VPI, have your vet check out the customaryscheduled used by VPI, otherwise, if you are unfortunate enough to get a large vet bill, your coverage will be horrible.