We have 9 year old Porty that has been overall very healthy. We have been submitting few small amounts for VPI but most of the time they did not pay any of the expenses but their response time was very fast. Our dog was diagnosed with primary hyperparathyroidism earlier this year. It took few different tests before we found out what was wrong with him. This point we had spent already $660. Our total claim for VIP was 6,300. Average cost for surgeries in Metro area is around $3400 and VIP eligible amount was $668 and we got $601 back. All the testing cost us $864 received from VIP $155. After everything we got back total of $1400. Our savings / credit cards paid $4,900! Past 9 years we paid VIP $3,060. If our dog has a surgery again we will get back around $600 only. And now he has pre-existing condition, so most of the future claims probably will be denied due to this. So, does it make sense to have insurance, maybe maybe not. Or should we open savings account for him and forget pet insurance option. VIP customer service staff is nice and friendly and claims are handled pretty fast. If you have a major surgery you will be out of luck! Piia, October 2011. Virginia.
Portuguese Water Dog