VPI pet insurance has been around since 1982 and enjoys the differentiation of being the nation’s oldest pet insurance firm.
Our VPI pet insurance review threw up fairly a handful of interesting elements about this company. The first thing that hit us was the website – it gives you a great deal of facts at a glance and compels you to research alot more.
VPI pet insurance provides affordable and high value pet insurance for not only cats and dogs but also exotic pets. You will find mainly two insurance policy programs with VPI, comprehensive and economical. The comprehensive package for dogs and cats begin at $18 a month and $12 a month, respectively. Each offer flexible insurance deductible options and cover inherited ailments. The economical programs start at $14 for dogs and $9 for cats, it is quite complete in its own way covering incidents and diseases but not genetic conditions and birth defects. There are other exclusions too; these comprise of problems of the urinary tract, endocrine system, and others. Needless to say, the age, kind and gender of the pet will come into play in deciding what you actually lead to spending. Routine care is also offered though as an add-on. Although it is a major plus and a comfort for pet owners, in particular those with pets that are becoming on in age. So, generally all angles of pet insurance are covered at VPI. The organization serves to pet insurance needs of all types, that’s not one thing you can mention about a number of other pet insurance carriers available.
One other significant aspect that we discovered in this VPI pet insurance review is that this is the only organization that will continue to protect pets throughout their life even if they turn into high-risk, i. e. even if the illness persists this company isn’t going to cancel the insurance plan after yearly renewal. However this could have something to do with the fact that VPI does not have a typical reimbursement process like many of the other insurance carriers. VPI operates on a benefits system, which means that there is a maximum annual reimbursement for every illness. This amount is renewed in full every year. With various service providers you can get unrestricted reimbursement for a illness but if the condition recurs then there is every probability that it may be classified high-risk and not covered in the insurance coverage. Primarily, there is always a catch somewhere or the other. It’s up to you to review programs and select the one that fits in best with your income and your pet’s conditions.
There are no cons as such except that claims processing can take up to 30 days and then if you are not satisfied there will be another round of communications, in other words the claims settlement system needs to be swifter. Several pet parents may not be comfortable with a financial limit on conditions. And some may not find the range of exclusions to their liking. In an ironic twist, the guy who launched VPI has quit the business and has created Pets Best which according to many is the preferred pet insurance service provider available
In finishing this VPI pet insurance review, we’d like to express that there are no bad rating pertaining to this business, the number of exceptions is really on the better side but there are sufficient and more pet parents out there that are contented and satisfied with VPI.