Monday, September 27, 2010

VPI Pet Insurance

Founded in 1980, VPI is the oldest and largest health insurance plan for pets in the US. VPI plans cover dogs, cats, birds and exotic pets for medical problems and conditions relating to accidents, illnesses and injuries. Optional vaccination and routine care coverage is also available.

Here are my thoughts:

Yes, I would recommend VPI to others and have.

I do feel that their (VPI) customer scale by which they gauge our reimbursement for Veterinary Services could be improved and more up-to-date with current cost structures. The actual costs incurred far exceed what is allowed by VPI and with the deductable it can be frustrating on what is actually reimbused, but, with that said, I am able to afford my premiums and if they did increase the payouts I may not be able to afford the monthly premiums. What I really look to VPI for is any emergency or unexpected surgery costs that can come-up and really put us in a bind financially. This is when I look to VPI for helping us cope with the costs. I can remember when we first signed-up our two dogs with VPI (approximately two years ago). Shortly after joining VPI one of our dogs got into some poison that was in the gardening shed. When we went to the vet I knew it was going to be very costly to save our dog and was quite stressed about how much it was going to cost, that is when my husband reminded me that we had VPI and I just cannot tell you how relieved I felt. VPI reimbursement us part of the costs and it was such a help, making it all worth it. We also appreciated how VPI reimubursed us in a very timely manner. When one of our dogs died unexpectedly VPI immediately removed the monthly cost and sent us a condolence letter regarding our loss. I could not have asked for more. They were very respectful and considerate.

Secondly, I have found staff to be responsive and very thoughtful when working with my claims. When I ask questions they are always warm and helpful,if they feel they cannot give me all the information I am seeking they will refer me on to other staff for more indepth information. My claims are processed in a timely and efficient manner. My overall experience has been good and I appreciate how the VPI staff interact with me whenever I need to contact them.


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