They pay- what little they cover

Out of 10

I have had VPI for 3 years for my Two Black Labs, they are getting older now (7 years) and each year VPI adds on the exclusions of the "pre-existing" conditions that the pet had under the policy last year. The claim forms are very convenient, as is the website- but they pay less and less out and exclude more and more- next year I think I'm due for another premium hike based on age. I have the highest coverage available. We have used it numerous times. They pay based on diagnosis code - they use only a limited set of them - so when my dog had to be seen by a doggie ophthalmologist for a rare (and of coarse expensive) condition they paid it out 1x like a simple eye infection and this year exclude it. (The follow-up care is very expensive as well)

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Eye problem

Claim Amount
$500 - $1000

Labrador Retriever

Age of Pet
1 - 8

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