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Compare Pet Plan and VPI Pet Insurance


The main difference between these two insurers is that VPI uses a benefit schedule to determine how much money you will get back, while Pet Plan pays a percentage of your actual vet bill.

(Explainer: a benefit schedule is a list of pre-determined limits. For example, the benefit schedule may set the maximum you get back for an ACL tear at $800.)
Quote and Compare

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Money
Reimbursement
Amount

(after deductible is met)
80-100% of vet bill Determined by a benefit schedule
Payout Caps Annual limit of $8,000 - $20,000 Annual limit of $7,000 - $14,000
Deductible $50 - $200 per incident, per year $100 - $1000 per year
Monthly Cost $8 - $60 $12 - $60
Limits
Age Limits
(limits are before signing up.
Once enrolled, pets can stay insured regardless of age.)
More than 6 weeks. More than 6 weeks, less than 10 years
Waiting Period 24 hours after date on policy for accidents, 14 days after for illnesses 14 days after date on policy, one year after for cruciate ligament injuries and hereditary conditions
Not Covered Pre-existing conditions Pre-existing conditions and congenital conditions
Extras
Routine Care/
Wellness
No Yes, with purchase of wellness coverage for extra fee
Alternative/
Holistic
Yes No
Pet Meds Yes, if prescribed for illness or accident Yes, if prescribed for illness or accident
Dental Not for routine dental care. Dental accident/illness is covered. Routine dental coverage may be under an optional wellness package. Dental accident/illness is covered.


Compare VPI to other insurers:

  • Trupanion
  • Embrace
  • Healthy Paws
  • Pets Best
  • ASPCA



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