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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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Reviews of VPI

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1/10   They may not pay your claim , 7/3/2017

Reviewed By: Christine, Recommend: N

I'm writing this review based on my experience with VPI a few years ago. My dog had an eye infection and I took him in to emergency. VPI denied my claim because they said it was a secondary result of allergies, a pre-existing condition. I felt like this was a bogus reason for them to deny my claim. They were terrible to deal with and I cancelled my policy. I ended up enrolling in Healthy Paws and they are so much better. I don't trust VPI to process and pay on claims.
Injury/Illness: eye problem   Breed: Great Pyrenees
Claim Amount: over $1000   Age of Pet: 1 - 8
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1/10   Horrible , 6/2/2017

Reviewed By: Michelle Kemper, Recommend: N

Folks should pay close attention to what the company will pay per incident and compare that amount to monthly premiums. This isn't much of an issue when your pet is young and healthy. However, when your pet is older and premiums rise you will likely find that the amount you pay in premiums is much greater than the amount the company is willing to reimburse. For example, my dog is almost 13 years old and was recently diagnosed with congestive heart failure because of a heart murmur. My insurance is currently $95 per month and VPI is only willing to pay $294 total for this type of illness.
Injury/Illness: Congestive heart failure   Breed: Shih Tzu
Claim Amount: $100 - $500   Age of Pet: over 8 years
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3/10   not pleased, 5/25/2017

Reviewed By: phillis, Recommend: N

I have had both my chichuauas insured with nationwide formally vpi I am so wanting to change insurance co but no one will insure one of my dogs because she has been diagnosed with ibs is there anyone out there I can call
Injury/Illness: ibs   Breed: Chihuahua
Claim Amount: over $1000   Age of Pet: over 8 years
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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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2/10   Rip off, 4/4/2017

Reviewed By: J. Evans, Recommend: N

I got this insurance when I first got my puppy 11 years ago. It was my understanding that they would pay 90% of any health bills that came in. I didn't need the insurance until he got diabetes two months ago, then pancreatitis. Here's the deal, there is a "set limit" on what they will pay for a certain illness every year and then THAT'S IT, your on your own til next year. So for the diabetes, they paid $400 after deducting $50 as a deductible, then 90% of the rest. He went into the hospital as an emergency case. The bills totaled over $7,000 when adding everything he had wrong with him the past two months, and I only got $1,300 for everything. Before this, I rarely took my dog in for any illnesses. Now that he is older, he needs the insurance. I pay close to $70 per month in premiums and is only going higher as he gets older. I figured I paid over $6,000 in premiums over the years. The only thing that is worth a darn is the cancer rider I purchased with both my dogs. When one dog got cancer, VPI paid out about $6,500 leaving me with a bill of $11,000 when she died.
Injury/Illness: not sure   Breed: Australian Cattle 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
Compare VPI to similar insurers

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  • VPI vs ASPCA

  • 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
    DO tell us whether you were happy with how your claim was handled

    DON'T use profanity or personal insults
    DON'T write in ALL CAPS
    Overall Rating (1 - worst, 10 - best)    
    Would you recommend this company to other pet owners?
    Yes   No
    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
    Type of illness or accident:
    not sure
    ear problem eye problem skin problem
    cancer gastritis/vomiting enteritis/diarrhea
    bladder renal (kidney) thyroid
    Claim amount
    Time taken to handle claim
    Verify that you are a customer
    I certify that I am (or was) a customer of this pet insurance company and that I have not been offered a reward, financial or otherwise, by the insurer for writing this review.

    We have zero tolerance for fake reviews!

    A message to pet insurance management: please do not submit a review! We consider these submissions fraudulent and will immediately remove these from our site.

    While we support your efforts to encourage honest feedback from customers, we encourage you to submit information here