I've had a VPI policy for about 7 years and recently had to submit a claim for the 1st time. Submitting the claim was easy and they paid within about 2 weeks. I ended up getting about $3,000 of my $6,000 vet bills back. Here are my thoughts - 1. I would have liked to get more than just 50% back from VPI. But I chose VPI and I chose a system that deals with standard and customary fees. I chose a certain vet to do the surgery and it's an expensive vet (Alameda East of Emergency Vets fames). I could have shopped around, but I chose not to. 2. As consumers, we are responsible for doing research and understanding the rules. I think VPI was very upfront about what they do and don't cover - I hope nobody out there signed up without reading the exclusions list or the reimbursement schedule. Don't shift the blame to VPI. It's your responsibility to take the time to understand what you are paying for and ask questions if you don't understand. 3. Do I wish I had a different insurance for my dog when this all happened? Yes, because I would have received an 80% reimbursement instead of 50%. So as a consumer, I will cancel my VPI policy and move to another company. But not before I read and understand all the rules. 4. Remember - just like human insurance companies - VPI is a for-profit company and their goal is to collect as much money as possible from consumers and give as little money as possible back when a claim is submitted. I am not saying it's "right" but it is what it is.
Age of Pet