Warning -- read the fine print with this company

1
Out of 10

When we got our first puppy at 8 weeks old, the first thing we did was sign him up for pet insurance with VPI. Being a first time pet owner (and purchaser of pet insurance) I did not know you really really need to do your homework and read all the fine print when it comes to pet insurance policies. At 12 weeks old, our puppy became ill. We were devastated not knowing what was going on and very willingly approved any and all tests to try and figure out the problem thinking that "at least we had pet insurance" and would get reimbursed for a portion of the costs. Unfortunately, our puppy had a terminal congenital disorder and did not make it. It was the most heartbreaking and difficult period of our lives. When we filed our claim with VPI for the thousands of dollars of diagnostic bills we had incurred to get to this point, it not only was a time consuming and difficult process that took weeks to process, but also were shocked to find out the only portion of the costs VPI would cover was the $238 for his cremation which less the $100 deductible meant we got a check for $138 because congenital diseases are a "fine pint" item they do not cover including the costs of diagnostic tests to find out this was what the issue was. It was a kick in the stomach during a horrible time. If you choose to go with this company be careful and read the fine print. The liklihood you will get reimbursed for most items is unlikely. The list of things they don't cover is huge (and are the th

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Injury/illness

Renal (kidney)

Ectopic uraters / kidney disease
Claim Amount
Over $1000
Breed

Labrador Retriever

Age of Pet
Under a year

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