I have never had a problem with VPI, despite some of the comments I have seen to the contrary. I have used them for 14 years and yes, I wish they paid more on some of the 'reasonable & customary' stuff, I had done a cost/benefit analysis for my past year, for a five year old pretty healthy cat and a 16 month old lab with a few ear infections, etc. I actually saved myself $1000 that year, between the reasonable premiums I paid and what they paid for my office visits and lab work. It breaks out, I figure, that they end up paying about 40% of the claim, with a approx. $50 deductible. However, I must add, my cat developed hyperthyroid in the past six months, had to do a bunch of expensive lab work, including a cardiac work up and honestly they paid a surprising amount of the bills, taking out only one deductible on several claims, because it all fell under the same diagnosis. When I had to use them several years ago, for some tumor removal surgery for two of my older labs, they paid about 60% of the one claim and, because the other policy on the other dog had a cancer indemnity policy ( pay double if its cancer ) they paid for the whole surgery, which was about $800 ( this was about ten years ago, but it was the whole bill ) I have found their staff to always be very nice, helpful and their turn-around time on the payouts about 4-5 weeks, which is pretty reasonable and a lot better than most human insurances. I tried some other insurance that was recommended to me by the rescue where I got my one dog and I was very unhappy with it and went back to VPI. Of course, nono of these plans cover hip dysplasia, so you just have to face that....and to keep the cost down, I don't get the wellness care policy where they pay for heartworm meds and vaccines...I pay for that myself. I find that the cancer policy ( not sure they still have it, you need to call them ) a better investment.
Age of Pet