Only stay because my dog is 11

Out of 10

My dog is too old to be insured on a new plan, so I stick with VPI. But the company is terrible. They tell you, no, brag to you that they cover arthritis. What they don't tell you is that they don't cover hip dysplasia, which a VPI claims adjuster told me is the cause of about 70% of arthritis in dogs. I pay about $400 a year, and they cover about $100 of nearly $1200 a year in vet bills. I only keep them incase my dog has some ridiculousy expensive disease one day. But do not sign up with them. Terrible.

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Posted: 01/18/2009

I guess this seems to be the position I'm in. I just got a new puppy and her rate will be higher than my 11 year old dog, I think. As long as nothing happens, the wellness coverage is OK, but I found that a cancer patient where we elected to NOT have chemo and surgery has nearly nothing covered as we just do diagnostic tests to ensure her quality of life in the end. She is hanging in there, but nothing else is covered other than her eventual euthanasia, so we quit with her. The 10 and 11 year old will just have to hang on to it, but the puppy will get a different insurer for sure. The payback has been too limited over the years and has gotten worse since the rates go up as they age.