VPI has gone downhill over the last 5 years

4
Out of 10

I used to swear by VPI - recommended them to all of my friends and family because their claim forms were easy to fill out, the coverages offered were varied and complete, and the few times I sent in a claim they had always responded (with a claim check) very quickly. The reason I've changed my mind is because over the last five years or so, I've noticed that they have started taking longer and longer to respond; sometimes denying my claim because of missing information when I know full well that everything necessary had been submitted the first time (I am an insurance professional myself and very technically savvy). The 'straw that broke the camel's back' happened when my ten year old Great Dane (my baby, and the only reason for the policy) was diagnosed with osteosarcoma. The diagnosis came via an x-ray of her right foreleg, then later that same day, a bone biopsy of the large tumor visible in the x-ray. I had purchased the additional coverage for cancer when she was a puppy, so I wasn't worried about coverage. My veterinarian said there was no real doubt about the diagnosis from the x-ray alone, but there was a slight chance that it was a different kind of cancer so we did the biopsy to see if there was anything at all we could do to save Isis's life. Unfortunately the tumor was so advanced that my vet wasn't able to get enough bone tissue and the results from the lab were inconclusive about the type of cancer; we proceeded under the sad assumption that the worst was true and only kept her as comfortable as possible for the next two months until her passing. When I submitted the almost $2000 original diagnosis claim to VPI, they denied a large portion of it (everything related to cancer) because they said we didn't have "a conclusive diagnosis" from the bone biopsy. Keep in mind that, in my vet's opinion, the bone biopsy was unnecessary for diagnosis; he only thought there was a small chance that the tumor might be some other, more treatable, form of cancer. I could probably fight with VPI about it and get the additional $400-600 they owe me, but it's a sad subject for me and I don't like talking about it - let 'em keep their money and I'll find another insurance company for my two new Great Danes.

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Posted: 01/13/2010
By:  

Same exact experience, with regard to their diagnostic codes and their refusals to pay, even when your dog has passed and your vet is arguing your case .