VPI is worthless if you want

1
Out of 10

Stay away from VPI Pet Insurance. It is a complete rip off. I have two Golden Retrievers (Male is Miller and Female is Sandy). Now I had both of my dogs covered by VPI for over a year. When researching Pet Insurance, I was looking for something to cover me for catastrophic type Vet Cost. I was willing to have a $1000 deductible in order to keep the monthly Premiums down. I never really could find exactly what coverage I wanted, but VPI seemed to be the most reasonable plan. It said I had up to $9500 in coverage and a $50 deductible. So I was paying around $700 a year which was more then I planned, but still selected the plan. One day my dog Miller was limping badly. He would not put any wait on his back left leg. Watching him chase his beloved tennis ball on 3 legs, I knew he needed to see the vet (I live in Atlanta). So Vet decided that it was either a Ligament Strain or Tear. Prescribed an Anti-Inflammatory and Pain medication. The cost was $117 ($55 for exam, approximately $5 for taxes, & 67 for the two meds). Now this was not the type of claim I was looking for Insurance coverage from, but I figured I paid for it I might as well submit the clam. So I figured I would get about $60 (I know they won’t pay taxes and my $50 deductible). I was absolutely shocked when they sent me a check for $6.70. I am like this has to be some sort of error. So I called VPI and the let me know this was correct. They said that for this type of claim (Called a Soft Tissue Injury) the maximum amount of payout for a Soft Tissue was $58. I asked them what was this Maximum Payment based on. They told me it was an average cost for this type of problem. Which I said was absurd because the Exam is going to cost between $50 & $60. So any treatment is already above this amount. Do the math, if an exam cost $55, there is nothing left over on VPI Scheduled Benefits payout for any sort of treatment. To realistically collect the so call $9,500 of coverage my plan claimed, my dog would have had to have 8 unrelated expansive procedures. My Vet bill would be $40,000+. In the fine print, it does state there are maximums. Completely understandable. But you don’t see this list of actually benefit schedule until after you sign up. At least that is so with online. So in all likely hood, you won’t realize the coverage limitations until after you submit a claim. I was lucky. I stumbled upon this absurd benefits payout schedule for a small claim. I was lucky I did not get hit with a big issue. Stay away from this company. I was so upset, I cancelled my Nationwide Homeowner/Auto (Who I was very happy pleased with) due to their association with VPI.

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