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Veterinary Pet Insurance (VPI)

P.O. Box 2488
Brea, CA 92822-2344
phone: (888) 899-4VPI
claim form

Founded in 1980, VPI is the oldest and largest health insurance plan for pets in the US. VPI plans cover dogs, cats, birds and exotic pets for medical problems and conditions relating to accidents, illnesses and injuries. Optional vaccination and routine care coverage is also available.
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60 days 1 year Lifetime
Rating 10.0 3.3 7.8
Count 1 20 3089
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Reviews of VPI

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10/10   So Necessary, 5/4/2017

Reviewed By: Nichole A. Collins , Recommend: Y

I had an 8 year old cat with reoccurring but undiagnosed problems. I spent several thousand of dollars over approximately two-three years on every possible test/remedy you could think of. XRays, Ultrasounds, Bloodwork, Science Diet Food, Allergy testing, etc. Fortunately for me, I had VPI pet insurance and I was fairly promptly reimbursed for the appropriate percentage of my vet bill (based on my selected plan & options). I have had 99 problems, but VPI was not one.
*The above experience was circa 2011-2014. I have a new cat now (age 5), and i still have VPI insurance, but fortunately I have not had to use it at all in the last 3+ years.
Injury/Illness: gastritis/vomiting renal (kidney)   Breed: Persian
Claim Amount: over $1000   Age of Pet: 1 - 8
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1/10   don't do it, 4/2/2017

Reviewed By: frustrated, Recommend: N

I have had two of my cats enrolled for about 3 years, and then I added my new kitten and dog a year later. I've never had to lean on them until this year when my kitten became suddenly severely ill- diagnosed with flutd and then getting two urinary obstruction within a week of each other, requiring hospitalization both times. we racked up a $2,000 bill but I made the decision to treat him because he was young, healthy otherwise, and because I had pet insurance who I thought I could depend on during this stressful time in my life. after his second blockage he required a surgery that redirects his urethra so that he never is at risk of a blockage again. something you'd think an insurance company would prefer because then they won't have to reimburse for another hospitalization should he obstruct again. unfortunately, I'm still editing to be reimbursed from the first hospitalization and it's been over a month. I just got a letter stating that they require another 30 days to process my claim. why? I submitted all of the necessary invoices, letters from the vet, and his full medical history, showing that he's never had so much as a cough since kitten hood. so, I'm $6,000 in the hole, my payments for his care are due, and I've been left high and dry by the company I thought I could rely on when it mattered. Guess I just gave you all of this premium money for free, eh? I've cancelled all of my other animals policies and decided to put the monthly premium into a savings account in case of emergency... after I make the payments toward his unpaid bills, of course. you just can't rely on anyone else but yourself these days. I'm so upset at the money I wasted and the lack of compassion or support when I call.
Injury/Illness: flutd   Breed: Domestic Shorthair
Claim Amount: over $1000   Age of Pet: under a year
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1/10   Nationwide has more than doubled premiums, 4/1/2017

Reviewed By: Judy Baker, Recommend: N

I started out with VPI for our 3 month old Yorkie. Premiums were $27.00.
New year, new price. My healthy 5 year old is now supposed to cost me
$56.00 now...I don't think so. I Cancelled the policy. Not the end of the story, they debited my account for another pmt, the first of March. The bank got it reversed. guessed it, they debited my account AGAIN!! How scammy can a company get!!
Injury/Illness: Wellness visit and immunizations   Breed: Yorkshire Terrier
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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1/10   Absolute Waste of Money, 2/27/2017

Reviewed By: Cheryl, Recommend: N

My dog has had insurance since she was a puppy. She is now 11. I have paid somewhere around $3,750 in fees since getting my dog's insurance through VPI, now Nationwide. My puppy was recently sick and her bill totaled about $800 dollars for two separate Vet visits. Since both of the visits were in the same 'claim period' my reimbursement was greatly reduced. This plan, that I have been paying on for the last 11 years, only reimbursed me $250.00 in TOTAL. So that leaves me with the remaining $550 Vet bill AND the disgust of knowing that I wasted $3750.00 paid over the last 11 years. Quite honestly, if I had to do this over, I would either choose a totally different provider or, open a 'special' savings for my pup and drop $10 in it each payday. If I had done that I would still have over $2000 in that special "vet" fund for her and I would not have thrown away $3750. AVOID this insurance, major ripoff.
Injury/Illness: Arthritis and UTI   Breed: German Shepherd
Claim Amount: $500 - $1000   Age of Pet: over 8 years
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3/10   I regret being with Nationwide/VPI for 10 years!, 1/13/2017

Reviewed By: Mark, Recommend: N

I never insured any other pet before this dog, so I have had one insured dog for 10 years. He was just diagnosed with Cushing's disease and Nationwide has an $800.00 annual cap on this disease. We spent more than that just getting to the diagnoses. Now there is zero coverage for any medication or actual treatment of this disease. I am devastated to say the least. If I manage his disease well, he has the potential for many good years ahead. But I've never had a dog with a chronic condition before and here I am in that very position with pet insurance for the first time and I WON'T BE REIMBURSED FOR MOST OF HIS TREATMENT/NEEDS! The company likes to tout that the benefits renew each calendar year but the amount of coverage for his illness is actually less than what the plan will cost me for the year, much less the deductible so I am not better off with the insurance unless he gets sick or injured with something different. The whole reason I insured him in the first place was so I wouldn't have to be paying out of pocket for really big expenses if they happened, and now that is exactly what I'm stuck doing. Of course he now has a pre-existing condition and I am stuck with a company that has completely let us down.
Injury/Illness: Cushing's disease   Breed: Mixed Breed dog
Claim Amount: over $1000   Age of Pet: over 8 years
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Most Helpful Reviews

6/10   VPI is OK --- consumers need to educate themselves,
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… read more

Reviewed By: denver
9/10   Totally Satisfied,
Yes, I would recommend VPI to others and have. First, I must agree with a few of the comments regarding coverage costs. I do feel that their (VPI) customer scale by which they gauge our reimbursement for Veterinary Services could be improved and more up-to-date with current cost structures. The actual costs incurred far exceed what is allowed by VPI and with the deductable it can be frustrating on what… read more

Reviewed By: Gloria Gunderson
9/10   No major gripes with VPI,
We have our two 5 year old golden retrievers enrolled in the VPI superior plan. Jack, who we have had since a puppy, has been enrolled since about 6 months of age. Chloe has only been enrolled for the year that we have had her. Jack has had sooooo many health issues, it has been wellllll worth the money for his plan. He has chronic skin infections due to allergies (he's allergic to human dander,… read more

Reviewed By: Kelly
2/10   the problem is their UCR,
VPI uses a usual and customary fee schedule more than 8 years old. Therefore, you go to the vet, pay let's say 500 and VPI (because they use outdated information) thinks the visit SHOULD have cost 150 - they then reimburse 80% of 150 or 120.00 on your 500.00 claim. (this is a terribly generous example - the reality is much worse). Find another company that either does not use a UCR at all (pets best is… read more

Reviewed By: Ellen
7/10   definitely a yes,
I have had pets all my life. with our newest additions, a german shepherd and a kitten, I decided to give this a try. all claims have been processed promptly. Unfortunately, the biggest payoff would be with a large claim. I wish I had this for my older dogs. then we wouldn't be hesitating about some surgery our lab needs. read more

Reviewed By: Ssmith
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  • Review VPI review policy

    Review Title (if you could say it in one sentence, what would you say?)
    Your Review (tips)
    DO tell us specifics about your pet's illness or injury
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    DON'T use profanity or personal insults
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    Would you recommend this company to other pet owners?
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    Your Name

    Tell us about your pet
    Type: Dog     Cat
    Age (at the time of your claim):   Under a year   1 - 8   Over 8 years  
    Tell us about your claim
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    ear problem eye problem skin problem
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