VPI Dog Insurance Review

by Jeremy on January 13, 2010

VPI dog insurance

VPI dog insurance reviewVeterinary Pet Insurance – VPI, was founded in 1980 and is one of the oldest and largest pet health insurance companies in the United States, which offers policies to protect a range of animals including cats, birds, exotic pets and dogs. Being such a large pet insurance provider I thought it was fitting to add a VPI Dog Insurance review to my site. VPI dog insurance covers dogs in the event of various medical conditions arising from accidents, illnesses and injuries. VPI’s dog insurance also offers customizable policies with optional coverage for vaccinations, teeth cleaning and routine care that a dog may require.

VPI is very good when it comes to paying for minor or routine claims by pet owners. However, VPI dog insurance policies do not cover any genetic or pre-existing medical conditions that your dog may be suffering from at the time of taking out the policy. This is rather unfortunate seeing as almost all serious illnesses can easily be categorized as genetic or pre-existing. However, VPI is not isolated in this exclusion as this is common practice amongst most pet insurance companies.

With all its good points, perhaps the main negative of VPI is their customer service. Some pet owners complain of receiving complicated answers when they call in making queries about VPI policies and claims. As such, potential clients are unable to make head or tail of the VPI dog insurance policies. In other cases, VPI staff does not call clients back altogether. Other complaints about VPI include the fact that they have in the past denied pay outs of major claims for costly visits to the vet. There have also been complaints that VPI continues to debit accounts long after a client has cancelled it. Negative reviews also mention the fact that VPI uses a customary fee schedule which is more than 10 years old.

All in all, VPI generally receives positive reviews and is regarded as one of the top pet insurance companies from which to select a cover for your dog.

{ 3 comments… read them below or add one }

Rosemary McHugh January 24, 2010 at 12:07 pm

VPI is not worth the premiums charged. The benefit schedule does not make it clear whether they are per incident, per diagnosis, per term etc. If you can afford these premiums (especially in NYC) you can afford to pay for your dogs care. Put the money VPI would charge you in a savings account for your dogs care. Over the average life of an dog, it will be more economical, and you won’t feel ripped off, like I do. I intend to cancel my 30 year homeowners policy with Nationwide since they underwrite this garbage. They should be ashamed.

Leslie Lowe May 20, 2010 at 10:46 am

I agree completely. We just cancelled our policy after our claim was denied. VPI takes your money and fails to follow through on payment of claims. Because our dog had symptoms of vomiting and bowel problems it was labeled Gastroenteritis and was documented as pre existing. VPI told us that any condition our dog would have in the future would most likely be denied if those symptoms were present! Absolutely disgusting company.
From Northern Ca.

Randi February 29, 2012 at 12:16 am

We just received a denial of coverage for our dog for gastronentitis (4500) as well. The bothersome thing is 4500 is not listed at all in the Major Medical Plan itself! There were no mentions of stomach problems or vomiting in her pre-CPI records either! VPI also never explained why they made “4500” an ineligible condition.

“This expense is denied because this injury or illness is considered [not even that it actually is] to be a pre-existing condition that was contracted, manifested or incurred prior to the effective date of your policy, whether or not the condition was discovered, diagnosed, or treated.”

Anyone considering VPI should imagine spending hundreds of dollars on insurance on top of vet fees only to get that sort of non-existent coverage.

It shocks me that they can just authoritatively decide on their own what our dog has without ever meeting her. They are apparently psychics to “consider” something pre-existing which had never been discovered before. Especially when that condition is a tummy-ache and potential obstruction. I have a hard time believing obstructions are pre-existing.

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