Coverage isn't worth the cost

Out of 10

Be VERY careful with VPI due to the breed exclusions, hereditary exclusions, congenital exclusions. And ... it appears the adjusters will use those exclusions whenever they can to deny a claim. My old girl (age 9) developed a low grade heart murmur. A board certified cardiologist did an ultrasound and ECG and determined the cause was a slight thickening of the mitral valve, a condition that can be caused by degeneration (age) or infection. His full report shows normal on everything else - and he told me, specifically, that my dog does NOT have cardiomyopathy. I submitted the claim for the ultrasound and was denied. VPI - arbitrarily - changed the diagnosis to cardiomyopathy, a hereditary disease. That, of course, means the claim was denied. I called and asked WHO changed the diagnosis and some chicky-poo stammered until I asked for a supervisor. She told me to submit the medical reports; I did. So far, no word as to my appeal and I can't get a straight answer about who will read the cardiologist's report - will it be someone qualified? Who knows! I've already switched my younger dog to another insurance company. Unfortunately, my girl, at the age of 9, isn't welcome by other insurance companies and I have to leave her with VPI. This isn't the first time something similar has happened. Be SURE to find out what VPI will NOT pay for before you start paying the premiums. Between the exclusions and deductibles, you might be wasting your money.

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