VPI Pet Insurance

VPI Pet Insurance Overview

Founded in 1980, its very first policy was sold in 1982 to TV dog “Lassie”. VPI employs about 11 veterinarians and over 90 employees with vet care experience in order to stay up to date with pet health issues and trends in veterinary science. In response to growing demand, they became the first pet insurance company to offer policies for birds, rabbits and other exotic pets through it Avian & Exotic Pet Plan in 2000.

Address

P.O. Box 2344
Brea, CA 92822-2344

Underwriter

Outside California, pet insurance policies are underwritten by National Casualty Company. Within California, VPI is underwritten by Veterinary Pet Insurance. Policies are offered in all 50 states, including the District of Columbia.

Pets that can be insured:

Cats, Dogs, Birds and Exotic Animals.

What is covered?:

They offer various plans for cats and dogs which offer coverage to varying degrees. Most plans are offered for both cats and dogs, except for Injury Senior which is exclusively offered to dogs and the Feline Select plan which is only offered for cats. Most plans are offered for pets less than 10 years of age.

Major medical plan comprehensive
• Accidents and illnesses
• Surgeries
• Hospitalization
• Cancer
• Hereditary diseases
• Prescription drugs
• X-rays
• Highest reimbursement

Medical Plan economical
• All of the above, excluding hereditary diseases
• Lower reimbursement than major medical plan

Injury Plus Senior (dogs)/Feline Select (cats)
• Same as above, excluding coverage for cancer and illnesses
• Lower reimbursements than major medical/economical plans

Care Guard Wellness (can be added to any plan)
• Core: Benefits including routine care such as vaccinations and flea/heartworm control
• Premier: Same as above, including dental cleaning and spay/neuter treatments
Exotic Animals and Birds: Offered by VPI, please contact them directly.

Are pre-existing conditions covered?:

Pre-existing conditions are not covered.

What is not included in plans?:

• Pre-existing conditions
• Behavioural issues
• Pet foods
• Congenital conditions
• Grooming
• Elective procedures
• Accidents and illnesses that occur within the waiting period
• Treatments not mentioned in VPI’s Benefit Plans (please consult directly for further information)

Any Vet?:

Any vet can be used.

Policy Duration:

12 months.

Deductible:

Annual deductible of $100, $250, $500 or $1000.

Pricing:

Starts at $12/month. Pricing depends on plan, add on and breeds. The annual limit of $7,000 or $14,000, depending on plan chosen. There is no maximum lifetime or incident payouts and no Co-pay. For more information please refer to our comparison table to get a free quotes.

Additional Information:

Being the oldest pet insurance company in the US, VPI insures over 485,000 pets nationwide and is the No.1 pet insurance recommended by veterinarians. They offer personalized customer service to their clients. Website users can instantly get video advice from VPI’s customer service. They support Pet Parent Day, an annual event to honor pet parents. The company also agreed to donate $5 per insurance quote request on PetParentsDay.com in April 2012 to raise money for the charity One Dog Rescue which supports forgotten, old or sick dogs.