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COMPANY PROFILE
- Company: Veterinary Pet Insurance (VPI Pet Insurance)
- Market Share: 60.7%*
- Insurance Underwriter: Scottsdale Insurance Company
- Underwriter A.M. Best Insurance Rating: A+
- Headquarters: Brea, California
- Year Founded: 1982
- Leadership: Dennis Drent
THIRD PARTY REVIEWS
- BBB Rating: A+
- BBB Accredited? Yes
- BBB Complaints Last 12 Months: 26
- BBB Complaints Last 3 Years: 106
- Avg Pet Insurance Review Score: 7.4**
- Total Pet Insurance Reviews: 1,678**
- Facebook Page: 68,920 like this
- Twitter Page: 17,636 Followers
- AAHA Accepted? Yes
- NAPHIA Member? No
POLICY & SERVICE HIGHLIGHTS
- Dog Insurance & Cat Insurance Available? Yes
- Customizable Deductible & Co-Payment? Yes
- Per Incident Deductible? No
- Annual Deductible? Yes
- Hereditary & Congenital Coverage Available? No
- Wellness & Routine Care Coverage Available? Yes
- Alternative Therapies Coverage Available? Yes
- Pre-Existing Conditions Coverage? No
- Benefit Schedule for Accidents & Illness Coverage? Yes
- Per Incident Limit? Yes, based on benefits schedule
- Annual Benefit Limit? $14,000
- Lifetime Benefit Limit? None
- Minimum Age for Coverage: 6 weeks
- Maximum Age for Coverage: 10 years
- Cruciate Ligament & Orthopedic Policy: 12-month waiting period for cruciate ligaments, hip dysplasia, elbow dysplasia, luxating patella and cervical ailments are are not covered
- Policy Exclusions: See below for full list of policy exclusions
- Waiting Period: N/A
- Claims Reimbursement: 14 days
- Multiple Pet Discount: 5%
- Vet Policy: Use any licensed veterinarian in the U.S.
- Phone: 1-714-989-0555
- Hours of Operation: Mon - Fri: 8:00 am - 10:00 pm EST, Sat: 10:00 am - 6:30 pm EST
- Trial Offer: 10 days
- Get VPI Pet Insurance Quotes
ADDITIONAL PET INSURANCE POLICY & COVERAGE DETAILS
- Claims paid based on benefit schedule
- Provides pet health insurance for dogs and cats
- Cruciate ligaments not covered in first 12-months
- Hip dysplasia not covered
- VPI offers three different pet insurance plans and two others that aren’t currently available online:
- VPI Injury Plan (benefit schedule differs from injury only)
- Accidents
- Maximum annual benefit of $14,000
- No lifetime maximum
- Annual deductible of $250
- Based on benefit schedule
- No annual premium increases
- Pet must be < 9 years old
- Coverage begins 24 hours after enrollment
- Cruciate ligament surgery is covered after the first year of coverage
- VPI Medical Plan (benefit schedule roughly ½ of VPI Major Medical Plan)
- Accidents
- Illnesses
- Maximum annual benefit of $7,000
- No lifetime maximum
- Flexible deductible of $100, 250, 500 and $1,000
- Based on benefit schedule
- VPI Major Medical Plan (highest benefit schedule)
- Accidents
- Illnesses
- Hereditary conditions
- Maximum annual benefit of $14,000
- No lifetime maximum
- Flexible deductible of $100, 250, 500 and $1,000
- Based on benefit schedule
- VPI Standard Plan (not available online)
- Maximum annual benefit of $9,000
- $50 deductible per each unrelated incident
- VPI Superior Plan (not available online)
- Maximum annual benefit of $14,000
- $50 deductible per each unrelated incident
- Wellness and Routine Care Additional Coverage Available:
- Two Different Options CareGuard Premier CareGuard Core
- Wellness Exam $60 $40
- Vaccines or Titer $35 $30
- Heartworm Test $30 $25
- Fecal Test $15 $15
- Deworming $20 $20
- Microchip Implant $20 $20
- Flea & Heartworm Prevention $50 $50
- Blood Screen or X-ray or EKG $50 $50
- Urinalysis $20 $0
- Spay/Neuter or Dental $100 $0
- Policy Exclusions:
- Pre-existing conditions
- Any Additional Excluded Condition listed on the policy Declarations Page or Renewal Certificate
- Certain bone or joint conditions associated with (1) hip dysplasia, or any luxation or subluxation associated with hip dysplasia, (2) elbow dysplasia, (3) patellar luxation or subluxation, (4) osteochondritis dissecans, or (5) any fracture, luxation, or subluxation associated with aseptic necrosis of a femoral head
- Cruciate ligament or meniscal damage or rupture that occurs during the first twelve (12) calendar months of the policy
- Cervical vertebral instability/Wobblers syndrome or intervertebral disc disease, rupture, or herniation
- Angular limb deformity
- Gastric torsion, dilation, or bloat
- Diagnosis or treatment for: (1) removal or treatment of deciduous (baby) teeth, (2) cosmetic dental restoration, (3) temporomandibular joint (TMJ) disease, or (4) tooth hygiene or appearance
- Diagnosis of, or treatment for, internal or external parasites
- Elective procedures or cosmetic surgeries
- Expression of anal glands, anal sacculitis, or removal of anal glands
- Preventive gastropexy, tail docking, dewclaw removal, skin fold resection, or nail trims
- Breeding or pregnancy or conditions related to breeding or pregnancy
- Medication prescribed more than one year after your pet’s injury
- Special diets, pet foods, or dietary or nutritional supplements
- Boarding, transportation, grooming, or bathing
- Diagnosis, treatment, training, or therapy for behavioral problems
- Diagnosis or treatment that is experimental, investigational, or otherwise not generally accepted in the veterinary medical community
- Fees or other expenses not directly related to veterinary services
- Diagnosis or treatment of any complication or progression of any condition excluded by this policy
www.petinsurance.com*
As of 1/5/2012 www.petinsurancereview.com**
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