A year and a half ago I brought home a great lab puppy. My vet recommended pet insurance for her. Best advice ever. Within weeks of enrolling she needed surgery for removing an obstruction. She had complications and spent 2 nights in the animal hospital, (over the weekend, big bucks, talk about scams, they charge more than some hospitals!) VPI reimbursed us 49% of the total vet bill of almost $3,000. Since then I've heard numerous stories about removing obstructions and I believe the greatest difference in the amount we got back lies in what the vets charge as opposed to what VPI pays out. I know people who have had surgeries elsewhere that cost a fraction of what we paid our vet. I believe VPI isn't so much to blame as the higher charges some vets bill. In my case, love our vet and believe we get what we pay for, but I do know I could get her taken care of somewhere else for less and therefore have more of my cost covered by VPI. All our experiecnces have been pleasant and prompt with VPI.
Age of Pet