Nationwide Pet Insurance Reviews

No matter what you do, DO NOT use this company. My dog has been with them for 9 years. They changed plans years ago and did not inform me of the potential to upgrade. EVERY OTHER PET INSURANCE company pays 2/3 more per claim than this company. I BEG YOU USE ANOTHER COMPANY.

I have paid for Nationwide pet insurance for my service dog for 9 years, without any significant claims. I last renewed my policy for $450 for the year less than 4 weeks ago. Today I went to my vet and found out my dog needs surgery for an eyelid mass and cherry eye, with the bill estimated at around $1300. I contacted my insurance to see what my coverage is and was shocked. They will cover nothing for the cherry eye, and on total estimated costs for the eyelid mass as follows: $354 surgery, $7.25 surgical pack and materials, $51 surgical suture, $114 anesthesia, $37.75 hospitalization and monitoring, $47.25 IV fluid, $85 surgical screen and CBC, $11 buster collar. My very expensive insurance will pay only $339.

Nationwide owns a company called Veterinarian Pet Insurance or VPI. I carried insurance through them for approximately 12 years. I tried to file two claims. One was denied, but that was after they put me through the ringer because they were unwilling to accept my veterinarians diagnosis. They continually asked for a different worded diagnosis until they could find one that they could deny. The second claim was the same thing, however this particular diagnosis was very clearly stated covered in their schedule. Again they kept asking for a different wording regarding the diagnosis. I sent them everything that my vet gave me including his notes, the bills and what his diagnosis was. Still they gave me a runaround.

VPI started out good 6 months ago when I insurance our 5 yr old shepherd. I have a preexisting pollen allergy listed on my policy and I have never billed them for that. However, my dog was bitten twice by insects. After having to ask them to fax my vet for med records after their refusal to pay, they finally paid it. The second time they argued with my vet and said the bite was allergy and refused payment. They are slow in processing claims and paying and the customer service people are rude. In 6 months they upped my policy from 66.00 to 79.00. I'm sooo done with them. I'm dropping them and going to Pet Plan. I would never recommend them to anyone!!!

Don't be fooled by the salesperson who tells you that your claim will be covered in full minus the deductible. That is not always true. We paid all premiums when due and the policy was active when our dog got hit by a car. She needed and I paid for surgery and treatment totaling $5800. I submitted every invoice with paid receipts as required to make the claim. VPI paid back $1319. I requested reconsideration, and they paid an additional $605. That's about $1900 of a $5810 claim. That's not insurance. That's fraud and misrepresentation. Total bad faith. I am preparing to litigate. Don't make the same mistake. Find a better value.

The last of my two dogs passed away Nov. 29th. She was 18 years and had medication for heart, dementia, and kidney. VPI (now Nationwide) wouldn't pay for 2 of the 3 meds because they're 'special diets.' My last submitted claim, going back to July 2015, was for $381.46. What they paid was a total of $106.02, and all the while billing me over $80/month. So from July to Nov. 2015, I paid them $320 and they reimbursed me $106!

I have paid for VPI pet insurance for over 3 years. Just filed my first claim - my dog was treated for a skin infection. It was a relatively small amount, only $50 above my annual deductible but I thought well, I'll put the time in to submit the form, why not. I made a call to VPI to make sure it was worth filing the claim (they said yes). I then filed the claim. A few weeks later upon their request I submitted documents from the vet's office and re-submitted the claim on the correct form which they sent me in the mail (they did not mention this over the phone).

Had bought VPI Pet Insurance back in October 5, 2015. Had the major medical plan and the pet wellness plus. Had taken my dog in to the vet once his insurance was active to be seen for an issue he was having that related to his skin. So after his visit I had submitted a claim thinking that they would cover it. Turns out they claimed that once they did their so called review of the case that they were not going to pay for a portion of the bill that they were suppose to because they needed more information. So I faxed over his paper work stating that he is adopted and I had just gotten him. He was never seen by a beer for this issue. Called to confirm that they recharged the information.

If anyone was ever interested in getting their pet Nationwide Pet Insurance, DON'T. It is a ripoff and a complete waste of time. My fiance and I got our 2 cats Shadow and Thunder (Before Thunder passed away) Pet Insurance. We thought it would be great because when we take them to the vet, we would get our money back for whatever we spent. Here is where I start complaining.

I purchased a major medical insurance policy from Nationwide Pet Insurance and it was an absolute waste of money. My 2 year old dog went through a horrible ordeal that required numerous medical procedures and a lengthy surgery. The cost was extraordinary, yet every single claim I submitted to Nationwide was rejected. To add insult to injury every "customer service" representative I spoke with gave me a completely different reason for the rejections - some of which were wholly inaccurate from a medical perspective and others that didn't even comport with the definitions provided in their own explanation of benefits. It was not a major medical insurance policy, it was nothing more than a waste of money. They were rude, difficult to deal with and inconsistent in their responses. Nationwide was absolutely NOT on my side. Don't waste your time or your money on this sham of a policy.

I at one time was a strong advocate for VPI but no more. When my first boxer contracted cancer and I had the extra cancer coverage they were wonderful. However that was back in 2006, let's fast forward to 2015. I've had VPI on my current boxer since 2006, submitting a few minor claims here and there, had no complaints with their reimbursements, customer service etc. I recently found out my 10 year old boxer has cardiomyopathy. What a surprise to learn they denied his claim cause they consider this to be an inherited disease. I had the superior plan with them and was told at the time this was their "Cadillac" policy. They informed me that they just recently started covering inherited diseases but Benny is 10 and he doesn't qualify. But they had no problem raising the monthly premium $20 in Nov at renewal cause of his age and I received nothing in return.

Do not use this company, unless you want to spend a lot of time making phone calls, disputing your claims, etc. I was told I exceeded the $415.00 primary allowance for my cat's condition. Meanwhile, I noticed there was $165 available for the secondary allowance on the plan benefit schedule. They would not pay for additional medication that was required to continue with my cat's treatment. They mislead consumers. VPI has become a rip-off since joining Nationwide. They wanted me to have my vet call them and formally dispute the claim on my behalf. When I told them I was considering canceling the policy, they could not tell me how much I would be reimbursed. I would have to cancel the policy first and wait to see how much, if anything, they mail back to me.

We have had VPI pet insurance for over 15 years for numerous dogs and they used to be great to deal with and reputable in paying their claims. However, something happened over the past several years where they went from great to terrible. I feel like I am part of the Grisham novel "The Rainmaker" where the insurance company's mandate was to deny all claims. When I review our claim history over the last several years you can see the change. It used to be most of the claims were paid and now everything is denied. We have the major medical policy for two dogs right now and and they are both healthy but VPI still denies their claims. They just denied one of their Rabies vaccinations as already reached maximum benefit for this service. How is that possible? I agree with others here. VPI has become a total ripoff.

My company added this particular insurance as a perk for employees with pets. I have a 5 yr. old dog but because of my own healthcare expenses due to cancer I could not afford a vet bill. So I jumped at this opportunity. Only to find I made a very big mistake. 30 days to process and IF approved reimburse you for your bills. Then to have my dogs history investigated only to have the claim repeatedly denied with multiple excuses and finally settling on calling heartworms a pre-existing condition. Then a smart-mouthed customer service rep calls me a week after final denial to say it wouldn't do any good to have my vet contact them to verify because they don't cover parasites anyway. So no matter what illness my pet has from this moment forward they won’t pay for it because it will mostly be caused by the parasites she has. If you are looking for pet insurance DO NOT USE NATIONWIDE.

5 dogs, 1 cat and 12 years later I have to say I am saddened to know how ROTTEN VPI became when my 12-year-old became ill at age 12. None of my other animals in 12 years, all with top coverage, EVER had more than annual checkups, teeth cleanings and vaccinations. Just under $100 each for each animal over 10 years and suddenly, they REFUSE to pay claim for X-rays done at the same time my Cushings dog had his Q 6 mos blood work and claim Primary benefit was maxed yet secondary benefit should pay. Basically it is obvious that if he is dying (he is), and there is no real hope that he will ever be better, you are better off cancelling and paying cash.

First of all I want to note that I never leave 1 star reviews on any company. With that said, VPI / Nationwide Pet Insurance is a complete scam. I paid for two dog Major Medical Plans ranging from $50.00 to $60.00 per month each. I have been a customer for over 3 years and always paid my premiums on time through auto pay. When I purchased both plans the "Salesperson / Customer Service advised me that the Major Medical Plan was a great plan that provides extensive health care for each of my dogs. It covers everything from teeth cleaning to heartworm prevention to accidents involving my pets.

We have had Nationwide/VPI since 2008, paying for insurance for their Superior Plan on 3 dogs. They still say in their ridiculous "glossary" on their website that the superior plan pays the highest... What a joke. It is not the highest paying plan they have and anyone who has this plan is being fooled. Recently our middle girl got very ill and we lost her. She was diagnosed with IMHA as the main illness. Our total vet bills for this were over $15,000. Nationwide/VPI paid $3,900 - not even 20%. They use a prehistoric "fee schedule" which is totally in their favor and their website is untruthful when they say the superior plan pays the highest.

Everything was great and I kept paying my premiums to VPI thinking that I will be covered the day my pet would need serious veterinary care. However the day I submitted my claim, they turned on their witch-hunt. I started getting calls from VPI's on-the-payroll Vets who started building a case against my claim in the disguise of my pet's welfare - very unethical on their part. Questions afters questions were submitted to my Vets, harassing them with carefully worded letters crafted in legal/lawsuit language, until they obtained a line from my Vet that they could use to deny my claim. My Vets were simply scared by VPI's aggressive campaign.

This review is subject to change, but as of 3 days ago, I was told on Tuesday that I'll be getting a call back in 2 days, yesterday. They really have been good but seems like as they changed to Nationwide, formerly VPI, looks like, LIES and deception. If they choose to separate, I will give them back their 88 dollars and dispute the last 90 days of charges. I have enough trouble, stress and worries and I got a mail from VPI on Thursday but I have yet to understand it. I will update asap. I will not be deceived or lied to by any insurance company as I never committed fraud in any way, shape or manner in my LIFE. I won't elaborate until I talk to them on the phone, if I end up upset, personally.

VPI (petinsurance.com) is a rip off. I paid extra each month for the Major Medical Coverage for my dog. We have had this coverage since he was a puppy. For his recent claims, he had several different doctor appointments that for whatever reason were not covered. Several diagnostic procedures that were not covered, and what was covered was reimbursed at a fraction of the actual cost. My dog has never been sick, in fact, I never even put a claim in until now. I always felt comfort in knowing that if my dog had a major medical incident, this coverage would help pay for it.

I've maintained my 2 cats on VPI for 10+ years because frankly, I had no idea other insurance companies existed for pets. It's been a HUGE disappointment and a major rip-off! I pay almost $120/month for both cats to have the Superior Plan. They've been in good health and had nothing but wellness checks done annually. Within the last year however, both cats have had major illnesses. This year, Buffy had Feline Lipidosis and Cindy has been diagnosed with Chronic Rhinitis (common in flat-faced Persians). I've paid thousands for both cats! Though VPI touts a high reimbursement, they have reimbursed at a rate of less than 44%!

I have had pet insurance now for 14 years. Now that I look back it has been such a rip-off. Every time I would put in a claim, they would say it is not covered or just pay a small amount. If you figure at least 200.00 dollars a month for basic, it really adds up. Recently, my dog passed after 14 years. When I filed the claim for euthanasia (150.00) it wasn't covered. Are you kidding me?!!! If anyone can learn from my experience, don't ever get pet insurance.

My 11 year old Maltese has been covered by VPI almost his entire life. Recent claim for surgery and other medical services was $2,284.80, reimbursement amount was $586.07. My Maltese had no pre-existing conditions. The surgery removed an anal sac growth which might have been cancer. The good news was the adenoma wasn't cancer... Bad news for $1,405 surgery VPI reimbursed $379.00. The payout amounts for what they consider to be covered are ridiculously low, especially considering my monthly premium amount is $68. I am disappointed that I've wasted a lot of money in case. I had a major vet expense and the amount reimbursed barely made a dent in the medical costs.

I called in to obtain a quote from VPI. The customer service rep Phillip ** was helping me and gave a quote for my dog and my cat. He said he will send out the brochures so we can take a look over to determine if we really want it or not. He will check back with us in the next 4 weeks to finalize the policies. Never heard back from him. I called back in today and I tried to cancel the policy, that I never approved to be activated. They informed me that since they sent me emails and letter mail, it is considered a contract between them and I. Since I had just moved to a new house, there is some mail I never received. Also, my email has a strict spam filter. I have never received any confirmation concerning the policy, and it was activated without my consent.

Advertise 90% coverage on claims. They pay around 50% to 60%. They get away with this by allocating extremely low amounts for services. My dog had torn ACL. Family vet charged $2400. Other estimates $3000-$4000. VPI covers $1200.

VPI/Nationwide has no business being in healthcare, they are thugs. I signed up for VPI because their premium was low and they were owned by a well known company, however little did I realize that they are big thugs. My pet had an "accident" and I took him to the Specialists hoping that I am covered. During his expensive treatment, I kept the VPI customer service apprised of the treatment and charges my pet was going through. While they seemed artificially polite (as if caring for the pet), however they send scary vibes - 'we have your recordings', 'everything you say, will be used'... as if I was being questioned. After I submitted my claim, they took a long time, and during that time, it was nightmare - questions after questions. After a month of interrogation, I just let them go. They reimbursed me ZERO dollars for a legitimate accident. May they rot in hell.

DO NOT SIGN UP! We signed up in case our dog needed another TPLO. VPI was the only pet insurance that claimed to cover TPLOs for dogs that have already had a TPLO. As long as the knee in question wasn't damaged prior to the 12-month probationary period, they claimed they would cover approximately $2,500 of the surgery and rehab costs. I've spoken to at least 4 different agents between the time I signed up up until my dog's TPLO last month. Each and every time they confidently assured me they'd cover it and that all I needed to do was make sure the surgery was after the 12-month probationary period. They were so reassuring I didn't think I needed proof of their verbal agreement to reimburse me for the TPLO costs. Well, I'm an idiot and out $5,000 (price of surgery and VPI monthly fee for the past year). My dog just had the surgery and they aren't covering any of it. DO NOT SIGN UP!

I cannot count the number of issues I have had with this company. First they argued with my vet regarding a diagnosis. Then told me I did not have coverage for something I have paid for both my dogs. I am now suing them for not paying out the right amount of dues for both my dogs. I finally cancelled with them after 10 years, stupid me. THEY ARE JUST A RIP OFF AND A HORRIBLE, HORRIBLE COMPANY!!! RUN!!!

We are disappointed with our choice of getting pet insurance through VPI. Our experience had taught us a valuable lesson that once again, insurance company's best interest is in the money they make and not the policyholder. We submitted our claim several times, VPI claims they never received it. Once we terminated the policy, we did exactly what they hope you don't do--We opened a savings account for medical funds for our dog, plus our accounts earns interest. The monthly cost of VPI's insurance did not seems to make financial sense. Monthly we were being billed $29.00 per month. The insurance only covers up to $30.00 for yearly shots/well-care visits.

VPI has been OK for claims, but very selective and choose to club claims into "pre-existing" conditions and leave it for you to follow up. In our case, the home cat has been covered for the last 6 years and has been diagnosed with cancer. He has been prescribed pain killers to ease his pain and after 6 months we find that the covered amount is only around $350/- , while his monthly expense for the pain killers is around $450/-. I was shocked to hear this information.

We faxed our information for one of our dogs who had an ear infection. If there was some fine print stating they wouldn't cover this condition, that would be all fine. However, we didn't receive any callback or anything. Waste of time for us to have made copies, faxed (twice) only to hear that back. Our vet actually helped copy/explain fax the first time. The only interaction we had was during our cancellation when they tried to keep us paying.

I've been paying monthly premiums for 4 years and have NEVER had a claim paid by this company. Seems every condition is considered a pre-existing condition!! Really sorry I ever enrolled with this company and will be cancelling the policy immediately. I was warned to stay clear of this company but went ahead and was trusting their service as being upfront. Really a waste of money. So, I now have a bill of 900.00 for my beloved pet with a new condition however they found a way to deny the claim. If you have a policy be sure to understand the terminology in the fine print as far as exclusions go. Really a rip off!!!

We had a Great Dane that we ended up giving to a family friend. She was insured through our policy. According to the policy, you can cancel anytime and they will refund you the portion of your unused policy. The policy was canceled over two months ago and I still have not seen a refund. After reading others reviews, I have also canceled policies on my other animals. I don't expect to ever see my refund but I would like to warn everyone else about this company.

Before we had the insurance, we took the dog to the vet because she was scratching. No biggie. We purchased VPI and she came down with a case of vaginitis. VPI CLAIMED IT WAS A PRE-EXISTING condition! What does vaginitis and scratching around the neck have to do with each other? Months later she developed hives from seasonal allergies. Claim was also denied with VPI once again stating the hive were pre-existing along with the scratching from months ago. People, stay away from VPI. Once I found out their affiliation with Nationwide, I knew they would be crooked. If I break my arm at 8 years old from falling off my bike and I break the same arm at 32 years old from a car accident, the broken arm isn't a pre-existing injury.

My border collie was limping, and unable to walk without cries of pain. I wanted her seen by her vet to make sure she did not have bone cancer, a broken leg or a torn ligament. So we took her in and had her x-rayed. The doctor said it was probably arthritis. So when we got the claim back for $645, with the total amount rejected, we were told they did not pay for diagnosis or treatment of dysplasia or osteoporosis. My purpose was not to have this 'diagnosed' but rule out serious ailments or conditions that would require treatment.

I also had a large claim for my dog who had a tumor in his jaw. They paid less than 20% of the claim. They used to be good. I can definitely say that "Nationwide is not on my side". I have canceled my policy.

I purchased insurance for two cats three years ago. My two cats were (supposedly) covered for illness and injury. I have submitted four legitimate claims, satisfied deductibles, and I get nothing but denial letters because the injury "doesn't qualify". I've paid $1,000+ over three years. I'm calling tomorrow to cancel. VPI is good at taking your money, useless at paying a claim.

I visited the Low Cost Vet Mobile for the same problem. (9-12-14, then 4-24-15, 5-30-15) (180.00, 305.00, 65.00).. The doctor diagnose Fluffy with mange, he said to buy Ivomec at Amazon.. This is only use for houses, pigs & cows. Something that can kill my dog.

I insurance my cat on 4.23.2015 and he used to have insurance with a different company and I decided to switch because VPI apparently offered more perks and better service... WRONG! My cat has always been healthy, he is only 3 years old and on 05.01.2015 I had to take him to the emergency pet clinic because he had some tenderness in his stomach and he was urinating too much. The emergency pet clinic said that he developed a life threatening blockage in the urethra and they had to treat him asap or he could die. He spent a whole weekend in the emergency pet clinic with a catheter and antibiotics etc. On Monday I took him to our vet for further treatment and of course he needed more blood work and new xrays and more medication etc. We ended paying out of our own pocket over $3100 dollars in a matter of 3 days.

After paying $1,760.00 in premiums to VPI for the past 32 months, I finally filed a claim for my dog when he was sick and needed veterinary care. My vet bill was $1,075.66. The check I received back from VPI was $177.30 which represents 16% of the cost of the vet bill or 2.7% of the amount I've paid to VPI and the vet bill. This has been the consistent percentage that VPI has paid out with 3 claims made over 7 years of my dog's life. Needless to say, I'm done with VPI! I just cancelled my account!

Zero stars is what they deserve. You pay premiums. Your dog gets sick. Your dog gets treated. Your claim gets denied. And, repeat. That is their business model. Do not be fooled by kind emails. Everything will be denied. My dog is fighting cancer. My efforts should be focused on his health. Instead, I email daily with VPI. How can they help me? Pay the claims and let me focus on my dog. Instead, we battle and battle - involving vets, endless paperwork. Let me be clear. His condition was not pre existing. It is being treated per vet instructions. Does not matter. They deny all claims.

I join the other unhappy clients with similar situations. Member since 2006. The exclusions exceed what is covered. I insured my pet when she was 6 weeks old. Now at 8 1/2 I am learning that almost everything associated with older dogs is NOT covered. Three years ago we adopted a rescue dog. My vet guesstimated his age. Last year during his regular yearly checkup he was diagnosed with cataracts. Because of his guesstimated age it would have made him 6 years old at diagnosis. We think he is a lot older. Well because he was 6 (considered juvenile) they would not consider coverage for surgical procedure which could restore his sight.

I was thrilled to learn that my company would be offering pet insurance. My dog is my child so I enrolled. He was diagnosed with cancer and everything from submitting the bills to waiting for them to respond is a headache and then it gets worse because they 'exclude' and 'deny' everything. My child is ill, terminally, and now I have to take all the effort and energy and add stress because they STINK. AWFUL. HORRIBLE. DO NOT USE. I plan to contact the owner. I want my premiums refunded!

My most recent pet, an adopted Rottweiler, had a urine test that showed slightly higher than normal protein on file. This was a pre-existing condition called proteinuria for which coverage is denied. One night, I took her in to emergency for "sneak eating" a HUGE amount of dog food she ripped out of a 20-lb bag of kibble. Her belly was hurting, sensitive to the touch, very bloated. She couldn't settle down and was clearly in great distress. I suspected bloat which is a life-threatening condition and common in big breeds. X-Rays were taken stat and also sent to another radiologist for second opinion stat, because her intestines were so blocked, they couldn't make out what was what. Then, while she was on the exam table, she had the hugest poop (sorry folks) that the vet and techs said they ever saw.

I bought a VPI pet insurance policy for my golden retriever when he was 8 weeks old. He is now 10. At age 5 he was dx with a lung mass.. surgery was necessary to save him. $8500 was the cost.. VPI found multiple ways not to pay anything... I got a check for $1500.. We had to refinance our home to save our beloved dog. I kept the policy unfortunately 5 more years and was nickel and dimed by them and again. They always had an excuse not to pay much or anything... Please don't waste your time with this company.. I have wasted 10 years and a lot of $$$.

I signed up with VPI 14 years ago when I adopted my two dogs. At the time it was the only pet insurance that I knew of. Over the past 14 years, I have paid about $19,000 in premiums. Over the years, VPI has been quite selective with reimbursements. By the time I considered switching to a different insurance company, my dogs were already at a point where pre-existing conditions wouldn't be covered by another carrier due to their age. Since my hands were tied, I stayed with VPI.

My review echoes the 70+ other reviews - this place is an absolute rip off. I pay $50 a month and do not cover ANYTHING. Either a condition is "pre-existing" or is not covered per the terms and conditions. An absolutely terrible company!

DO NOT USE THIS COMPANY. I used this company for multiple pets over the span on 15 plus years --- tens of thousands of dollars of premiums. One dog had liver failure and all of the treatments were conveniently exclusions. Now my other dog has cancer and VPI is saying that there will not be coverage for that. There are other insurance companies that do not have exclusions that are miles long. Unless you have a crystal ball and can go and read what will be covered down the road, you certainly are not getting the peace of mind that this company is pretending to sell. Liver failure and cancer are exactly why people buy vet insurance!! And no, they do not care about the health of your pet. Nobody asked me how either pet was doing. Either put the money aside or choose a different company.

AVOID THIS COMPANY AT ALL COSTS!!! Absolutely horrible to work with. Extremely disrespectful, even when dealing with "supervisors". I spoke with ** and she was so condescending and uneducated in regards to her company and with how to speak professionally. I highly recommend taking your money and time elsewhere.

This shouldn't even had one star, but it had to be given something to submit a review. A while back I wrote a review how this insurance company said my dog has allergies and made it a pre-existing condition. After many arguments, I just had to accept it if I wanted to have pet insurance. However, my nightmare of what they may do has come to surface. My dog went to the Dr. for conjunctivitis and medication. Due to the fact that the eye was discharging my dog was rubbing her face and made some hot spots. They said it is ALL RELATED AND ALL DENIED. I thought this would happen.

I insured my puppy with VPI from day 1. The puppy was healthy and had routine vaccinations and check ups - which VPI covered at about 20% reimbursement. Then, about 6 months in, my dog got very ill. We took him to our vet - they gave him some antibiotics. The next day, the dog was worse and we had to take him to a 24 hour care facility. He was diagnosed with pneumonia. Now, faced with a large bill, the company refused to pay any of the claim, saying it was due to a pre-existing condition. There was no pre-existing condition. I have fought this and am sick of fighting... This company should be avoided at all costs.

ABSOLUTE RIP-OFF!!! I actually cannot believe this company is still in business and hasn't been sued. After I post this, I am contacting the Better Business Bureau. I've been a paying customer of a Premium Plan for SIX YEARS at $50 a month. My dog has been relatively healthy for that whole period.

We have two dogs and both have had policies with VPI for the past 5 years. Initially it was great with the routine puppy care and procedures. Recently, it seems anything we submitted was not a covered diagnosis. Our one dog was recently diagnosed with cancer and underwent a major medical procedure. I submitted all the bills and claim forms, and provided all the medical records for the multiple vets she had been to but was told it was a pre-existing condition and did not receive one cent from VPI.

VPI kept stalling and asking for more paperwork or documentation. This is a classic example of when a company is not going to pay out. They should be held accountable.

We have, thankfully, only had our dogs enrolled with VPI for a short period. Same story as most of the rest of the posts: our claim was denied as a pre-existing condition. Our appeal was denied with no explanations. One call center representative even said they were not able to share the reasoning in writing because the policy used to deny our claim was secret. As someone who works in the insurance industry I am sad to see all of the fraudulent practices that used to plague other medical insurance are still alive and well at VPI.

I wish I had read all of these reviews before I enrolled my dog with VPI. All of you say the same thing; that VPI denied the claim saying your pet's condition is pre-existing. My story is too long to tell but, in a nut shell, the same as almost all of yours. VPI is supposed to be a reputable company. I actually get it through my employer! What in the world??? My vet specialist even called them herself and the person she spoke to gave conflicting information to her! She is baffled.

Seriously. The only GOOD thing that I can think of is to sign up before your pet is born. My ANNUAL premium is $600 plus and so far I spent $150 and only got $70 in return. 46% refund!

My dog, who recently passed away has been with VCA since 2003. I had pet insurance before most people I know, there were also very few options at the time. Thankfully I never had to use it or make any significant claims for the last 12 years. My dog was, however, recently diagnosed with Heart Murmur which progressed to Heart Failure in last 3 months. I am furious as the claims they are paying out are terrible relative to what I have spent taking care of him. The thresholds are based on a national average that have not been updated since 2008!!

I submitted a claim when we had to have our dog taken to the veterinarian because of anorexia and severe vomiting. It was found he had something in his stomach. He was pre-medicated and anesthetized. An upper gastrointestinal endoscopy procedure was performed. A ball of thread mixed with food and ingesta was noted. The foreign material was removed with endoscopic grasper. The full medical record was submitted to Veterinary Pet Insurance. They denied the claim on grounds that this was a pre-existing condition, which is NOT true. They will pay small claim amounts, but will find a way to disclaim larger amounts. Therefore, I have concluded they are an unethical company taking policy payments, but find ways to avoid paying substantial claim amounts. I DO NOT recommend this company.

I rescued a dog in October 2013. She was brought to the Dr. with NO medical problems at all!! Clean bill of health. I decided to get pet insurance just in case. The day her health insurance took effect, I called VPI to ask a few questions. I told them on the phone that I wanted to take the dog to the Dr. because she was itching and biting her paw. There was NO rash or nothing there; I just wanted to see why and what was bothering her. The "Young Kid' on the phone said THIS WILL BE PRE-EXISTING. I asked what he was talking about. I told him she has NEVER been to the Dr. for this and I didn't even know what was wrong. He said it didn't matter. He threatened me and said he has it recorded that I called and said the dog was scratching, so whatever I do it will BE PRE-EXISTING!!!!

We got a new dog enrolled in VPI effective on 04/30/2014. We thought this policy would be a good idea since he was only 16 months old and could provide great health care his entire life. This is the VPI line and hook. The first chance we had to make a claim was on 05/10/2014. He had a scratch on his eye which required first aid and prolapsed gland of the third eyelid. We sent the claim to VPI and after some weeks of waiting, they denied the claim because it was a listed ineligible condition. By that time, the gland needed to be surgically re-attached to the eyelid and we had a surgery date. The vet stated the condition was probably due to a concurrent injury with the scratch eye because the dog was too old to be a congenital condition. Claims for a pre-surgery examination by a veterinary ophthalmologist and the surgery itself were submitted.

I extensively researched insurance companies and was assured by a VPI rep when I was considering signing up that usually when people don't have all of their costs covered, it is because they don't have the top of the line plan. He literally said to me that if I got the best possible plan, that VPI covers '100%' of the costs as long as it wasn't for flea medicine or preventative'. I grilled the rep about this - I said 'so I won't get a bill if he gets ill and gets a diagnosis that you will only cover 50% of, as long as it's also not a pre-existing condition'? "Absolutely not", he says.

We were recently denied for a claim involving a false pregnancy and mastitis. I argued with them that the only way for a dog to get mastitis which is caused by milk and the mammary glands is to be in heat, pregnant or a false pregnancy. Because they don't cover pregnancy, they denied it but my benefits say they cover $350 for the mastitis.

A little over a month ago, I made the decision to join VPI Pet Insurance because I had heard wonderful things about fairness and accuracy and quickness/high payouts. Nothing was further from the truth. Unfortunately, my dog (AFTER signing a policy with you) was diagnosed with Anaplasmosis, a non-pre-existing condition but was denied any benefits because they dishearteningly consider it a pre-existing condition. This means that ANYTHING that could even REMOTELY be related to this disease as he ages will NOT BE COVERED. This is according to one of their CSRs that I was on the phone with last Friday. He is a little over a year old and they are telling me it is fine that I pay out of the butt of $41+/month, only getting back $125 out of $500+ in bills and now not having my dog's health covered!

I just cancelled my policy today after my first claim was denied, saying that my dogs skin irritation was due to a pre-existing condition. They are ludicrous - if you had a cold a year ago and get another cold this year, it is a pre-existing condition. Reading all of these reviews, this is how they make their money. It looks like the only time they actually pay out is in the case of an accident, like your dog getting hit by a car, or something. VPI is just a shameless scam.

After being reimbursed for my 2 dogs recent illness I started to look into the plan information. I had been a loyal customer for over 12 years. The premium plan was both costly and very misrepresented by the company. The claims were denied, reimbursed slowly and often very little was covered. Both dogs were covered by the premium plan in excess of over $700.00 dollars per year. On one plan on 2% of all doctors fees were covered: this for a normal healthy dog - just shots, flea and tick coverage.

After considerable time with this outfit and having had a few issues in the past, I can now see that this is indeed a classic bait and switch issue. If those of you who have had similar issues would wish to make the leap and bring this entire outfit to the attention to the Calif. State Attorney Generals office and begin a class action suit then feel free to contact me as I WILL be monitoring this site for updates. Apparently due to some personal issue with a less than stellar customer service rep, we've been denied due to a " chronic dry eye" issue.

I took out Pet Insurance last year. My dog had a seizure and the vet said it was probably late onset of "Epilepsy"..He soon was put on meds..This year he had an MRI.. then brain surgery..plus 18 treatments of radiation. The MRI showed he had a brain tumor..My claims were denied as, "They said he already had the brain tumor" and said it was a "Pre-existing"..! How would I have known my precious dog had a brain tumor??!!

I signed up with VPI via online. I was told to call and/or email with any questions since it would take 14-days for them to underwrite my girls' policies. Within 48-hours I tried to call and get information. After a series of repetitive questions I was given very general information. This drew red flags. So I informed the customer service rep of my desire to cancel the policy. She said she would. After an additional 24-hours (total now 72) I called to inquire on the status of both policies. They were very much NOT cancelled. The early deceit just didn't sit well so I emailed the customer care department to cancel. I called the next day spoke with super nice customer service reps who wanted to know how they could assist me with my insurance needs. I told them I just wanted to verify my policies cancellation and see verify my full refund (with unbeknownst to me via the web they charge two months upfront per pet).

BEWARE - This insurance company reimburses for medical expenses only if there is a diagnosis. I took my dog in for tests because she became sick, and we were in the process of going to several specialists to try and determine why she was sick. Well, VPI would not reimburse 90% of the medical tests (terms of my policy) because the doctors had not yet determined the diagnosis. Then she died. So not only did I lose my best friend, but I am out hundreds of dollars because VPI didn't stand behind the policy. I thought insurance companies covered medical expenses incurred when a dog is sick, but at VPI they need a diagnosis or they cover VERY LITTLE of the costs. That's why VPI is #7 of the top 10 pet health insurance companies.

We have had VPI Pet insurance for 8 years now. We have never used it until my dog had an ACL injury. We submitted $3252.40 for the TTA surgery. Beau is an 85-lb dog, and had to have the TTA. Otherwise he would have been in pain. We received reimbursement for $1653.00! A touch over 50%. I felt fooled and deceived. What they claim their benefits are do not line up with the actual reimbursement. Time for a reality check!

I was very disappointed that surgery for a torn ACL on our dog would not be covered until we had the policy for a year. The fact that they would not cover even though it was an unforeseen accident was enough for me to cancel my policy.

I've had this "insurance" for my dog for 12 years, paying 50 bucks a month. I've had 3 claims and on every single one they pay almost nothing. When my dog became ill on January 4th, I took her to the vet, they did blood work and diagnostics. They diagnosed an arthritic spine and gave her anti-inflammatories and painkillers as well as some antibiotic for her ear which was in danger of infection. They had done blood work to determine if she had cancer and that came back okay. I was billed by the vet $356.38. VPI paid $153.00. There's a 50 dollar deductible, which is understandable. So they only paid $153 out of $306.00. I later got a letter saying that there was no diagnosis for one of the charges...DUH...

I am shocked at the bad reviews for VPI Pet Insurance. I've had them for over 15 years and never had one problem. They have paid everything they are supposed too. I have their best policy and they have paid most of the bill so I think some people do not have the right policy. If you want everything covered, it will cost more. My friends also have this Pet insurance through VPI and are so happy with them too. I'm so glad I have the coverage for my two dogs. By the way, I do not work for VPI, just am very happy with them!

My 8-year-old Bichon (rescued her at 4 months). Had bladder stones which required surgery. Costs were $3,300 and I was reimbursed $800.00. I have had VPI since Gabby was a puppy and had NO claims... My premiums are now over $500.00/year... What good is this insurance... Time to start a class action suit against VPI... Anyone want to join in?

This is my very first negative review and it's dedicated to VPI pet insurance. I absolutely abhor you with all my heart. I have been a loyal customer and had my dog insured under your medical policy for 6+ years. This is the first time this year, where I DID NOT receive the renewal policy and failed to renew on time. Now my dog is not qualified for renewal because she's 10? What a bunch of baloney. I am livid due to the fact this is how they treat a long time customer...obviously not valued at all. They can kiss my dog's **.

I wanted the best for my new Cat, who is beautiful, very funny & smart. I had 3 prior animals that all lived well past the average age, but with illnesses later in life. My Vet's practice was just purchased by a new group of Vets, none of which I had ever dealt with. But I figured I would give them a chance, and I did. They were pushing VPI Pet Insurance, and though selling a Product, Insurance, the Manager, Mike and his receptionists, could not give the fine details of insurance coverage, but tried. I purchased VPI Insurance and within a few weeks, they had signed me up for Basic coverage, and I wanted Full coverage, and this took a few months to straighten out. VPI Paperwork was not received till November, 4 months later, and I called and asked for specifics of coverage, not generalities, as stated on their policy. Told they would email me the papers I requested, and they were never received. The papers have no specifics of coverage and the big problem I saw was that you pay your vet, then submit for reimbursement.

Just take what this so-called insurance company says is a premium and put it in a savings account at a bank. You will be far far ahead and much less disappointed.

I had VPI's Superior Plan for six years at almost $50 per month. I realize that every company is in business to make money and I don't begrudge them that at all. However, the one major claim that I had for more than $1,100.00 they paid $330.00. When I questioned why they paid so little of the total costs, including surgery, the person on the phone said "well, if you upgrade to our next higher plan we pay more". WHAT? When I go to my doctor does he tell me I'll treat you part way if you or your insurance company pay me this much BUT, if you pay me more then I'll really treat you so you're cured?

I had the injury plan for my puppies mostly since they liked to chew on rocks. In Sept. one of the dogs fell off the couch and popped his knee cap. It never really healed so he had to have surgery (patellar luxation). Even though this was the result of an injury, verified by many letters from the vet, they refuse to cover since that is one of their many, many exclusions. Run far and fast from this company.

We had a very sick 4-year-old dog with sudden onset respiratory symptoms. Took him to the ER. Turned out to be a form of lung cancer and the dog was euthanized. I was reimbursed ~$600 for a $3000 bill. I did not do every test under the sun. Main portion of bill was "nursing care", oxygen, and fine needle biopsy. We changed to Pet Plan and they are less expensive with better reimbursement and good reviews. BEWARE OF VPI.

Adopted dog in February started coverage same month. Dog had Diarrhea or soft stool on and off and was related to food. Finally found a food that resolved issues. Over 30 days after consulting with regular vet that his condition was not from parasites or GI issue but a food formula problem. We resolved the Intermittent Diarrhea issue. In the middle of the night our dog started to scream in pain and was vomiting everywhere. We rushed him to the ER in fear of bloat as his stomach was squishy. He is barely a year old. We had no idea if he ate something or was poisoned.

Stay away from this company. They are a complete ripoff and they have no humanity. They only care about getting more customers to rip them off, but once their pet is sick, they'll try everything not to cover them. I took one of the most comprehensive insurance for my cat who is healthy and not even 1 year old and still they would not cover her vet bill for a conjunctivitis, asking me to send all her medical history plus a personal letter. I did all this and sent 5 pages of documents for a cat who is healthy and not even 1 year old and they would not cover her for her conjunctivitis!

I gave this company $45 per month for the entire life of my cat (5 years). They were okay at first. I would go for check ups and they'd pay the majority of the bill. It wasn't until this year that my cat had a urinary problem and had to get surgery. I paid almost a grand for this and submitted my claim, confident that VPI would take care of most of the bill as they have been. I was dead wrong. They gave me about $100!!! Numerous phone calls, re-filing, appeal letters... and nothing! They don't agree with compensating me more than $100. They claimed he never had surgery (I submitted even the vet's charts!) and they claimed that his condition was a urinary tract infection (he had stones and had to get them surgically removed!).

You buy a policy that supposedly gives you 90% coverage, and when you submit a claim, they only reimburse subject to their ridiculously low caps for each condition. Example: I incurred $4,500 in vet bills for my dog's serious condition, got reimbursed $700. Cancelled my policy today. There are so much better ones out there. Do your research.

Only wish I could give zero stars! I signed up our 3 dogs in late May. VPI came back with one of our dogs having a pre-existing condition of allergies. Funny, because this 8 year old dog has never had allergies! 2 weeks ago, we actually did take him in for itching and lo and behold - allergies! I sent in a claim form, and it was denied. Come to find out that in July 2011, our dog was seen for a pyroderma, which is a bacterial infection, however VPI has lumped it in as an allergy. He was given Benadryl because he was scratching the scabs from the infection. Apparently, if you give a dog Benadryl (for whatever reason), it is considered an allergy.

VPI is a ripoff. Their website makes you think you will be covered for a lot of common problems furry babies encounter. That is until they have your money and you file a claim. They have someone there who is going to change your pets' diagnosis as to make sure your claim is denied to their advantage. Twice now our pets' diagnosis has changed to things we have NEVER even heard of from our vet. Diagnosis not listed on their deceiving website. Disgusted and so angry I gave them $362.32 for this ** coverage. Save your money and the frustration you WILL encounter with this awful, bogus company. Take at a look at all the bad reviews. VPI seems to be ripping a lot of consumers off who are dissatisfied with this bogus policy. EVERYONE I know is going to know about my experience and they shouldn't be even promoting pet insurance to consumers with all the negative reviews.

They just want your money and when it comes time for them to cover you.... THEY DONT and find any excuse not to!! The following things are things that occur often among our furry friends and they are what my dog is a 3 yr old German Wirehaired Pointer. I use them for hunting and they are extremely active in the outdoors. I applied for this insurance because they came recommended from a friend; however, it should be noted that she has never had to file a claim.

We had never heard about Pet Insurance until a late night trip to the emergency vet. At this point, we had had our Spaniel mix about 18 mos. (making her about 3). We had tried to make a Bloomin' Onion at home and failed, thrown it in the trash and forgot about it. 2 hours later, she dumped the trash and ate it. A late night trip to the emergency vet ($90 to walk in the door), $290 and 6 hrs later we learned a lesson. At that time they told us about VPI. We signed up for it a few weeks later. I can honestly say, when we first got it, our regular vet was skeptical and not crazy about filling out the forms for us, he was old school, but extremely good. That sign up was in 2001, 3 yrs later totally changed his and our opinion of it.

I have a golden retriever, 12 years old. I got her insurance in 2009, thinking about her age and further problems. Unfortunately, my experience with this company has been awful. Last April 13th, my dog got very sick and I had to take her to emergency. She needed two surgeries (pyometra and bladder stone), few transfusions, 3 days hospitalized and a huge list of medicines and tests. The bill obviously was huge too ($9,120). I filed the claim with the insurance right away. 2 weeks later, they asked for more documentation which I sent the next day. Just now, checking their web page, I found out that they are going to pay me $2,716.20. Not even 50% of the total. If you are thinking about pet insurance, look for other company - faster and better benefits.

I'm not asking a question, but I want to give feedback about my experience with VPI. I called this morning and spoke to a sweet lady; I think her name was Jennifer. I called to verify my payment date and happened to mention that my dog needs surgery (I adopted my dog from the shelter in November of 2012). I got her a preventative medical plan through Banfield Veterinary Hospital, which is awesome. I purchased VPI pet insurance in the event she did need medical treatment.

Unfortunately, I submitted an application for my two dogs by phone before I read all the terrible reviews about this company. I called back the next day and told her to cancel both applications, and gave the reason as being the terrible reviews I had read. She proceeded to put through the applications and though I have received a credit for the one dog, I still have not received the $70+ credit on my charge card for the second dog. She said she didn't know I wanted that one canceled - like after I said I wanted to cancel because of the terrible reviews, I would want to keep the bad insurance for my one dog! Stay away from this company!

I had pet insurance with another carrier. Through my husband's job, we were supposed to get a "big" discount if we went with them. We had 5 dogs (3 were rescues), one of which was a Newfoundland. Prior to signing with the new insurance company, I was instructed that she was approved for insurance. The only exception was if she had cancer even though 5 cancer tests were done before she would be accepted. I paid for a ** load of medical tests before they would take her. I got the acceptance letter. I called the old pet insurance company and cancelled out the policy. Before they cancelled it, they told me that VPI would find excuses not to pay any claims. I figured it was just bad talk between 2 companies. So I blew it off.

8 years of having this insurance (VPI Superior Plan with CareGuard Core coverage) now feels like a complete waste. They have never been really good at reimbursements but managed to live with that. Now with our bill for laminectomy totaling $6,121.24 (including consultation, anesthesia, surgery itself, hospital stay, injections and catheterization), we had been reimbursed only with $1,825.29. Pathetic. And then the very friendly customer service rep referred us to the Veterinary Pet Insurance Benefit Schedule (bluish brochure that they usually send with the insurance renewal form) that read Column A is the benefit limit for the primary diagnosis or condition. This includes exam, injections, hospitalization, treatment and surgery.

I took both my dogs for their annual vet visit. They were due for shots and checkup. I was denied payment on one dog because they said my annual vet visit was ten days too early. They paid very minimally for the other dog stating “Vet checkups are covered up to $20 and shots up to $30. Blood work is $50.” Their payment fees are so out of line with the actual costs. I have been a customer for nine years and was told, “Sorry, but that is policy.” I was never told that ten days early would cause them to deny a claim. I immediately cancelled my policies. They were okay with losing a customer of nine years with two dogs. I told them that I didn't think they would stay in business much longer if that is their attitude. I spoke with customer service rep, Michelle **, and then her supervisor, Steven **. I have a feeling they do this denial thing all day long. It’s very unacceptable and deceptive in their practices!

Last year, my dog became very ill. Initially, the vet thought she had UTI. It turned out that after more checking of labs and a sonogram, she had a pyometra. She almost died. Thank god she is fine. When I initially called VPI to discuss what she went through, I was told I would be reimbursed a lot more for her surgery, labs, meds, and visits to the vet. Earlier this year, my vet submitted the medical records for my girl's bills. I called to find out what was taking so long and was told the amounts I was to be reimbursed, which was absolutely a joke. The rep on the phone told me the final diagnosis was cystitis, when clearly the initial diagnosis was a UTI and with further checking it was definitely a pyometra. Not only did they put the wrong diagnosis, but they separated the claims into 3 separate claims.

I have two dogs (7-9). We got them VPI. They are very healthy dogs. The first claim, I got no problems. That's their tactics. No red tape. No runarounds. They give you the money.... at first, just to give you the illusion that it pays to have insurance. Then the next 3-4 claims, they deny, deny, deny. They push for more paperwork. They tell you that you need form abc. Then when you get those forms sent, they want abcd as well. So back and forth it goes. These guys are major scammers. I bet half of their positive reviews online comes from their own paid staff. I know a close friend that has VPI as well and they feel the same way I do. Coincidence? I think not. Do yourself a favor. Learn from my lesson. Take the money you pay these crooks and stick it in a savings account. Every month, you put in $50-$60, you'd be surprise how much you have during hospital time. You have plenty left over. These people should be shut down. If I lived closer to their HQ, I'd pay them a visit.

Do not sign your pet up for VPI insurance. My employer offered a small discount for enrolling in VPI, so after reviewing what they had to offer, I decided to sign up my new puppy. I chose the most comprehensive plan because I figured I would rather pay a little bit extra each month to know that I have maximum coverage in case of emergencies.

Veterinary Pet Insurance (VPI) is a huge rip off. Stay far away. Before signing up, they will promise you the moon. Heaven forbid, your pet has any major issues, they pay approximately 20 percent of the total vet bill. I first signed up with VPI when they had a TV commercial showing a man with his dog who had cancer. They bragged that they paid $75,000.00 of the dog's medical bills. Unfortunately, my dog had an operation for a tumor on his liver. The operation and lab work was over $6,000.00. We submitted the bills and were reimbursed for only $772.00.

I have carried my VPI Pet Insurance for approx. 9 years and have found their rates continue to go up but any claims I've submitted qualified for minimal to no reimbursement. My suggestion is not to carry this insurance but rather open a savings account for your animal and put the money into that account instead. I'm very, very disappointed with the lean times we struggle with today - there are still companies like this ripping people off. Shame on them and shame on me for not investigating better.

I was on the phone for almost an hour this afternoon trying to get a policy reinstated on my account after four years of this dog being insured with them. It is truly a shame that spending over $10k over the last few years with five dog policies with VPI means nothing. Receiving a blank statement phone call to return their phone call and supposedly getting three renewal notices is not a way to treat a good repeat customer. They never talk about their grace periods and no one knows what the other hand is doing. As a small dog business owner, I take pride in my customer service and the care of the dogs, but that surely does not seem to be the same case with this company. There are many other pet insurance places out there and others that will actually care to have you as a client!

I had contacted VPI for pet insurance. I was told they needed a 12-month history from my vet. I had contacted my vet and they needed my signature of approval. So they faxed everything over after signing. A month had passed and they contacted me that they have not received anything from the vet. So my dog was in an accident during all this. So, I was going back and forth for my vet to fax and confirming if VPI had received it. Nothing. They do not receive their faxes in an approximate timely manner. I emailed customer service and they had told me that it's noted in my account that they contacted me and they never received it until two months after. I was trying to get my effective date changed prior to the accident since they did not receive the fax. The gist of all this is they told me that if they faxed it and it was confirmed that it was sent and they haven't received it, then it would not be their fault and they could do nothing about it.

This pet insurance company is horrible! I couldn't even get through the process to get a policy through them due to the horrific customer service. I have spoken to three representatives and a saleswoman, all four people were condescending, twisting my words and generally refused to listen to what I had to say. They would cut me off in the middle of sentences and talk over me, every single phone call. In general, the company was quick to invent "pre-existing conditions" to deny my pet. They took one medical issue that happened over a year ago one time and called it a pre-existing condition to deny my pet. When I asked them to get medical records proving it was a one time thing over a year ago, they proceeded to call all the vets my pet has seen and denied based on two new conditions they found while combing through old records. Again, things that were one time issues and had never come back.

I was traveling with my cat Nora and she became sick. I had to take her to an emergency hospital. She was diagnosed with hyperthyroidism. Her clinical signs included vomiting. She previously had been treated for IBD and I had reached my claims limit with VPI on that illness. Though the emergency doctor and Nora's regular vet said Nora's stomach problems was likely related to the hyperthyroidism, both doctors (and one hardly knew me) even wrote letters on my and Nora's behalf to VPI. VPI continued to deny the claim stating that Nora had reached her limit for stomach illnesses.

VPI Pet Insurance is a complete ripoff. I've been a VPI customer for over 18 years and I'm a physician myself (M.D.). My dogs sustained life threatening rattlesnake bites and the cost of a single dose of anti-venom was $500. This is the normal going rate for this medication. Each of our dogs is required to have the anti-venom and inpatient monitoring, IV fluids and pain control to save their lives and 1-2 nights of inpatient care. The bill for one night was $1600. For 2 nights, it was $2100 at a reasonably-priced VCA hospital with a 30% professional courtesy discount, since I'm a fellow physician. VPI's coverage was $500 for everything, for each pet. This is obscene and a complete ripoff. Don't bother with purchasing VPI pet insurance. It covers almost nothing compared to the monthly premiums and it's not there for you when you most need it. Shame on VPI.

I have had Veterinary Pet Insurance for my dogs since 2003. VPI does nothing but back talk on the coverages offered. Almost every time there is a claim, they somehow find an excuse not to pay enough back. Recently, my oldest had to have hip surgery due to trauma from a previous incident that lead to severe osteoarthritis. Almost $4000 in vet bills later, I was informed they will only allow $155 worth of payments for arthritis! I explained to them that the reports clearly state trauma, but it is just an endless battle with them. This is not the first time I have had issues getting reimbursed. Surely, a class action suit is applicable reading all these other complaints. I cannot imagine that at least 50 of us will join in on this if an attorney stepped in. People should stop being misled by this company! Does anyone agree?

VPI is a blatant fraud. I've had the best VPI plan offered on both my cats for 2 years now. I just recently had to submit my first claim. I found out yesterday that the benefit I will be receiving for $794.00 out of pocket so far to keep my pet from eminent death is $132.00. However, if a $2,500 surgery had been necessary, VPI was prepared to offer up an additional $157.00, which would include hospitalization, anesthesia and injections, the actual surgery reimbursement would have fallen under $60.

I filed a claim for my pet’s vet visit with Pet Plan. They had me submit the same information repeatedly. They kept insisting that they needed the past two years of vet visits for a 1 1/2 year old cat. Finally, they cancelled the claim.

Dog had salmon poisoning, $6,300 in bills - The title says it all. My dog needed 6 days to be treated for salmon poisoning which was diagnosed late. VPI's limit is approx. $300 for this treatment. They claim to have a $7,500 coverage limit. In order to reach this limit, your pet would likely have to develop/require 75%+ of chronic diseases/tests. I called VPI and stated how misleading their coverage limit claim was, considering their coverage limits for each diagnosis was so miniscule. Class action lawsuit please. At least my dog survived, now to deal with the debt.

I had my cat covered under the standard level of care since 2004. In Feb. 2012, I sadly had to put my cat to sleep at age 15. Her kidneys gave out on her over a two month period. The vet bills that I submitted totaled about $1,500.00. VPI reimbursed me a total of $250.00.

I sure wish I read these comments before purchasing from VPI. What you read here on these posts is all true. My dog had three exclusions, fine and all stated fairly upfront. After I filed my first claim, they added exclusion and failed to inform me. They are refusing to pay for tests done for my dog based on an exclusion that wasn’t even there when they accepted my enrollment. They are not covering another condition (even though it is listed as a condition that they cover) because they are saying it was pre-existing and according to VPI, they can deny coverage even if the condition was not discovered until after you have signed up.

VPI does not pay any claims. It is a scam. For seven years, I have paid over $600/year to insure my two dogs. They have rejected 95% of the claims and the remaining 5% they have paid a total of $96. The last claim concerned a routine yearly procedure done for the first time in seven years, teeth cleaning. They are asking me to send the records for the one dog from 2005 to the present. This is outrageous and abusive, as it is not an on going illness but a covered procedure which they claim it is covered, no questions asked. I am dropping these crooks and going for a respectable company. Beware of this scam!

I just cancelled my policy and since 2006, Veterinary Pet Insurance repeatedly denies claims. I don't understand what I am paying for. They said that there was a lapse in coverage for two years (2004 - 2006) yet one dog was covered. They both had automatic billing. During this time, they made changes with their software. A representative talked me into staying in 2006 even though my older dog had to go through a new process and now with a higher premium.

I have had VPI Pet Insurance for over six years now but when I filed a claim for veterinary services for the first time, they had me running around in circles. They have said twice now that they can't read the forms sent by the Vet's Office. I found this out on my own; they did not notify me. Now, they are denying a third claim that is unrelated to the other two forms. They gave me the same reason even though I already spoke with a supervisor and asked her to intervene. This is like a bad movie trying to get someone to resolve the Issue! I have spoken now with four different people on four different occasions to resolve this. What else can I do?

Unfortunately, I purchased VPI Pet Insurance for my golden retriever when he was a puppy; routine checks were all he needed until the age of five. When he had difficulty breathing and was diagnosed with a lung mass, an ER visit and subsequent surgery at a specialty hospital for a lung resection racked up an $8500 bill. We were not concerned with the cost over the life of our precious dog. However, VPI picked apart of our claim, and only reimbursed us $1700. We had to refinance our home to pay off the balance. We had just finished catching up with bills after my husband’s recovery from cancer. It was a kick in the head from VPI. Don't buy this insurance.

We are Jewish and we think VPI PET Insurance tries to get rid of us as Jewish customers. We were cancelled more than once despite paying the premiums and without any explanation. VPI PET sends a letter (no signature or name), saying they would credit back our payment and try not to enroll us again. When we insist on enrolling, they would register us, but few weeks later send us another cancellation letter.

I purchased what I thought was premium health insurance for my 14 year old mixed terrier, female. The charge was approx. $63 for (what I was advised on line) the first two months coverage. My dog went to the event to the vet on January 9, 2011 for not feeling well. She was diagnosed to have coronary heart disease but a determination was not made as yet until further tests were made the following week. A claim form was submitted to VPI.

We have had VPI Superior Plan Pet insurance for nearly 3 years for our 3-year old Golden doodle (Dolly). Every time we submit a claim, they deny for some reason or another. Here is our most recent issue: On Oct. 9, 2010, we noted some scabs or sores on Dolly, so we took her to the vet. He said these were likely hot spots and gave her a shot and told us to apply antibacterial ointment. The bill was $80.64. The letter we received denying service stated that the expense was denied because the injury or illness was contracted, manifested or incurred prior to the effective date of our policy. This is ridiculous. We have had the policy almost 3 years and she just got these sores. We have submitted multiple claims in the past few years and VPI is not paying when they should.

I had a policy from VPI on my golden retriever since we got him at 8 weeks of age. At age 5 in May, he almost died from a necrotizing pneumonia and required emergency surgery. VPI brags about their high pay backs from claims. Out of $8500 we paid to save our dog, VPI paid us $1700. We had to refinance our home to pay off the bills; interest rates on the credit cards were killing us. My husband is a cancer survivor and Rudy our golden retriever was his get well gift. We had to save him.

I have had this insurance since April 2009 and as of today, June 29 2010, these people have maybe paid me $300.00 on claims I have filed and I have filed over $5,000.00 with these people. I would not recommend this insurance to anyone unless you have money to burn. I would not have purchased this insurance knowing that they would not pay anything to reimburse me for their monthly payments.

When I rescued my first doberman, I purchased VPI insurance. Due to dobermans being susceptible to cancer, I opted for the double cancer coverage. My dobie was only a little older than one year and had no medical problems outside of demodex, which was considered pre-existing and not covered. Two weeks shy of turning two years old, my dobie developed what was originally determined by tests to be a fatty tumor. After taking him to a specialist due to breathing problems (it was located on his ribcage/chest), he was seen by the oncology department and tests were performed to determine the cause of breathing problems. The tests showed that he had an aggressive cancer that had engulfed his entire chest cavity and with nowhere else to go, blew through his ribcage and created the fatty tumor, which his previous vet had tested and determined to be nothing to worry about.

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 be denied if those symptoms were present! Absolutely disgusting company.

We went to a trip to Miami and then we stayed at Doral area. The hotel has so big a room and my dog gets so excited and run around the room fast. Then he hit his leg with the table and then after day he is started to walk limping. That right hind leg hurt so I take him to the Doral vet. The X-ray showed that he has a sprain that was secondary to the patellar luxation. It is not true!

VPI never paid any vet bills of any kind. I got the insurance after getting my then two year old dog received a clean bill of health from a vet in Boca Raton, FL. I then applied for the insurance and received it. About a month later, the dog had to have surgery on his leg which cost $4000.00. VPI asked for different kinds of vet records over a period of a year, but each time I complied, they asked for more records. They asked for records going further back, which really wasn't that many, the dog was only two.

My dog has been insured with them for seven years. I moved and lost my credit card and totally forgot to call them. They claimed they sent me notice I never received to say that policy was canceled. Now, they are refusing to insure her as she's getting older and she has a mammal growth (while insured with them). They don't care about your animals. They just want your money.

When we insured our cat, she had 8 years of perfect health on record with the exception of some weight loss and a nail infection. Within a few months of initiating coverage on her, we were saddened to discover that she had a rare form of aggressive cancer. We incurred $1,290.25 in medical expenses treating her, in reliance on the 90% we believed we had from VPI vet.

If you have a bad experience with VPI, please call me. I am one of their customers and paid premium on their insurance. I am so angry that after having a $351 bill, they paid me $35. I have two pets. I paid at least $70 or more a month for these dogs. I am so disappointed. My pet clinic told me that he had a lot of his clients complaining about them. I need your help. We need to do something about this. I am serious about letting everyone know how bad this company is.

My Scottie Terrier Midnight has been insured with VPI since she was a puppy. Midnight is 10 years old and had never been sick once. Finally I took her to the vet for a check up in December 2007. Midnight had an irregular heart beat. Iwas referred to a specialist for further tests. Midnight was diagnosed with a form of heart disease, however the more concerning problem was the irregular heart beat.

Misleading Insurance Benefits quoted to members. Actual payout on eligible services---about approx. 3% or less. Misleading members! Thousands of dollars paid out to VPI for three dogs. Did not reimburse according to insurance plan.

I used to have VPI Pet Insurance until Jan/Feb 2007 and due to the delayed reimbursements on my claims (6-8 weeks!) I switched companies for my pet insurance and the reimbursement on my claims averages 2-3 weeks.

VPI seems to searches for ways to deny claims. Curly, who is a 13 year old pug, was diagnosed with a collapsing trachea in 2001. I have been advised that this condition is not life threatening. However, in June of this year Curly became gravely ill with a respiratory infection and the resulting veterinary bills topped $3,000. On top of that, there is ongoing medication for chronic bronchitis that costs me over $100 per month. I have had Curly insured for a number of years and VPI rejected the initial claim as well as my appeal.

My 2001 Jetta 1.8T Wolfsburg is the biggest piece of s! that I own. I could sit here and list every single complaint/problem I've had with this car, but after reading a few comments..they seem to be the same as everyone else. I wonder if there is a class action suit against VW for failure to give a damn about their products/consumers/safety of their consumers...If there is, please ADD me. The amount of money I've spent in car payments and service is incredibly outrageous for this car.

I recently purchased a 2000 VW Jetta and have had many a problems. I too just like Brent of Lehi UT was dealing with a dead car when it sat for more than a day. I had the battery replaced and the problem continued to happen. I took it to the local VW dealer to have them look at it and they concluded that the built in stereo amp wasn't shutting off and drawing off the battery killing it. The repair total for this would be $700. My VW only has 77k miles on it and this should be a defect on what has already been a huge headache. So Brent of Lehi, UT if you're out there have them check into the amp that runs the stereo system. Oh and by the way, without the amp, the stereo system will not work. So you have a radio with no sound.......... Kinda funny that they did it that way.

We got our 10 month lab from North Shore Animal on 10/28/2005. She still had one more immunization due after we adopted her. In November 2005, 2 weeks after we brought her to a vet by our house for shot and to get the preventive meds she needs like the heartworm and flea and tick medication. Vet did a complete check up and she told us she was in perfect health. Great teeth, great coat, she weighed around 57 pounds. He checked her ears and legs...Great Health. On the way out we paid the bill and got her meds.

My dog had her ear lacerated and I could not stop the bleeding. Took her to the closest vet. Medicine, anesthesia and stitches totaled $428.54. I have a $50.00 deductible so why did I only get a check for $139.50? This is the first time I have ever used the insurance in 3 years. This bill was my entire social security check - I was expecting much more.

They billed a closed debit card that had been used two years previously on my Bank of America account without my authorization. They refused to credit the charge when I called and when I wrote. I received $30.00 on a $250.00 charge.

My dog severed an artery. VPI paid for a small laceration, a tiny portion of costs, and significantly below schedule of benefits.

I applied for insurance coverage for my pet on July 7, 2002 about 7 pm. After I had paid up and completed my transaction I was advised that the waiting period was 14 days. I called Customer Service twice today to cancel my coverage as I was misinformed. On the first occasion I was told I could go back on the website and cancel my enrollment. The www.petinsurance.com website does not support this feature.

In August 2001, VetPet changed computer billing agencies for some reason, and my direct debiting of my pets' insurance policies didn't happen. Then, because of the 911 crisis, their billing agent had problems. Then I was being double billed. I contacted them and they said they were correcting it. I got another double billing. I called and told them I was mailing a check to fully pay both pets' insurance policies for the year. I also faxed them the information and requested them to stop automatically double billing me. This was in October, 2001. They acknowledged receipt of the full payment and noted that I wished direct debiting discontinued.