ok if the disorder/problem is not long term

Out of 10

I've had VPI for 3 years now. Had I known then, what I know now, I would NOT have purchased this insurance. The insurance works on a benefit schedule, meaning they allow so much money towards each and every ailment. Some ailments have more of an allowance, while other have less. My dog has Cushings disorder, which is an ongoing endocrine disease. He will have this for the rest of his life. He needs frequent blood tests to check his hormone levels. Additionally, he needs meds. So by the time all of this is said and done, I have reached my cap. I can usually reach my maximum cap by month 3 (since the policy renews every year). This means that for the remainder of the year I am having to pay out of pocket for these important tests and meds. I don't even know how often these allowances are reviewed and adjusted. There are other insurance plans that don't have caps. I can't switch him now to a better plan since his disorder is now "preexisting". On the other hand, when the same dog had a traumatic eye injury, resulting in his eye being "poped out of the socket", VPI's benefit plan covered $127 for the trauma and $346 for the injury. $127 for trauma!! Really, and I have the superior plan. What more if I had the basic plan. The whole surgery, anesthesia, etc. for the eye came out to over $700, and I received about $400 in reimbursement. So yes, for the ocassional mishaps that occur, the insurance is ok, but for long term disorders, i.e. diabetes, cushings, renal diseas

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Claim Amount
$100 - $500


Age of Pet
1 - 8

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