Good coverage, not so good reimbursement

Out of 10

Low deductible of $50 per event. Reimbursement is 90% of fair and usual costs after deductible, which is pretty good. However, VPI has not updated their fair and usual costs since 2002. So, while the coverage for some things is good, for others its not so good. At least the appeal process is easy and they are willing to reimburse more if you can provide more information. And I've never had them 'lose' claims, especially in the last couple of years when all you have to do is fax in a copy of the bill and test results. For smaller animals dogs and cats without breed specific issues, this is good coverage. For really large breeds, or those prone to specific problems, it may not be as cost effective.

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