We have our two 5 year old golden retrievers enrolled in the VPI superior plan. Jack, who we have had since a puppy, has been enrolled since about 6 months of age. Chloe has only been enrolled for the year that we have had her. Jack has had sooooo many health issues, it has been wellllll worth the money for his plan. He has chronic skin infections due to allergies (he's allergic to human dander, among other things), ear infections, hip dysplasia, mange, and has had pancreatitis. All of his illnesses except hip dysplasia (breed issue) are reimbursable, and believe me...we have used it. It even covered most of his allergy testing (skin test). We are now doing acupuncture treatments for his skin allergies, and it is covered as well (as long as a vet does it). I will say, however, that their 'reasonable and customary" amounts are always less than what i have been charged by my vet. My only complaint is that for our other dog, who we got as a 4 year old, few of her issues are covered because they were deemed "pre-existing conditions". We had to get her seen by a vet upon enrollment, and the vet indicated after examination that she had allergies and a few other issues that are now not to ever be covered. Those things were covered for Jack, because they weren't identified prior to enrollment. But we still keep her coverage just in case. VPI has always paid what they said they would pay- sometimes i submit things thinking they won't get covered but they do. I have never had to argue with them about a claim or anything like that. A $50 per incident deductible is nothing compared to a $500 vet bill. I have probably received about $1500 in reimbursements from them over the 5 years I have had a policy with them. So overall I am satisfied, just a little annoyed at pre-existing conditions and that their view of a 'reasonable' fee is never what i am actually charged by my vet. Advice: get your dogs enrolled young before problems arise, so they are covered!
Age of Pet