VPI Pet Insurance:
|Plan||Accidents and Illness||Deductible (Annual)||Max age limit to sign on||Lifetime cover||Price per month|
|Medical Plan||$7000/yr*||$100,250,500 or 1000 you choose||10years||yes, based on schedule amount||Dog: 17.64-40.94 Cat: 12.48- 16.98|
|Major Medical Plan||$14 000/yr*||$100,250,500 or 1000 you choose||10years||yes, based on schedule amount||Dog: 22.95-53.25 Cat: 15.80-21.71|
Price: you can add care-guard to both Regular and major plans for $12 or $22/month extra.
What is Care guard?
Care Guard is an add-on that can be added to either plan. It cannot be purchased on it’s own.
Care guard core = $12/month and you get $250/year for routine care.
Careguard premier=$22/month and you get $400/year for routine care.
Detailed coverage Chart for VPI Pet Insurance
|Medical Plan||Major Medical Plan|
|Vet fees Accident and Illness||$7000/yr.*||$14 000/yr*|
|Routine Care||With Careguard||With Careguard|
|Hereditary Conditions||-||See below|
|Death (replacement cost of pet)||-||-|
|Boarding (if owner hospitalized)||-||-|
|Holiday (trip cancellation)||-||-|
|Cover Abroad||YES- world wide||YES-worldwide|
|Dental (not teeth cleaning)||With Careguard premier||With Careguard premier|
|Breeding, Fertility, Pregnancy||-||-|
|Medical devices (ex. Wheelchair for dog)||Case by case||Case by case|
|Lost/Stolen pet adds||-||-|
|Third party liability (dogs only)||-||-|
|Accidental Damage (tenant coverage)||-||-|
|Grooming and Bathing||-||-|
|Pet food, Nutritional supplements, vitamins, natural remedies||-||-|
Some Common Questions:
Lifetime insurer (will they cover on going conditions throughout pets life)?
Yes. Chronic and lifetime conditions are covered with VPI Pet Insurance, but based on the schedule amount.
If you want to better understand Lifetime Pet Insurance, check out this page!
5% for multiple pets.
Any vet or specific vets only? After hours vets or in home vets?
You will get coverage at ANY vet worldwide with VPI Pet Insurance! Yes.
Can the vet be paid directly?
If not, How quickly are claims processed?
2-4 weeks, last year averaged 12 days.
Do they cover examination fee (if it relates to the injury or illness)?
Do I stop getting coverage as my dog ages?
No- as long as policy doesn’t lapse.
Does age affect monthly price (as my dog gets older will the monthly premium go up)?
Do they put the monthly price up every year? By how much?
Yes. This is the only way that they increase the coverage (many other companies go up with inflation, but they only go up with the age of your pet).
Do they serve all of USA? Is the monthly amount more depending on where I live?
14 day from time you’re approved. Your pet must be approved first before the waiting period starts.
Do rates increase with more claims/penalized for filing more claims?
No. Coverage isn’t reduced, and rates don’t increase if you file more claims.
Maximum lifetime claim amount?
No, only yearly maximums.
What is the co-pay?
None, only deductible, but they only cover an amount that is written in their Benefit schedule and how much they say that a certain condition will cost.
For each incident you get half the coverage per incident than for the regular plan than the Major plan. For example, you get 100% of the benefit schedule (minus your chosen deductible) for the Major plan, while you get 50% of the benefit schedule(minus your chosen deductible for the regular plan).
None to note.
Money back guarantee?
10 day from time policy starts (plus 14 day waiting period) so total =24 days.
What they don’t cover - claims that are directly or indirectly related to:
• Pets under 6 weeks old.
• Pre-existing conditions- some conditions may be covered if your pet has been cured for 6months.
• No coverage for activities that result from: racing, breeding, hunting, law enforcement.
• Treatment not recommended by a vet.
Make sure to read the fine print before purchasing, there are many more exclusions that are not written here.
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Embrace Pet Insurance - Very customizable plan! so you can adjust your plan based on deductible or monthly payment to fit your budget.
Healthy Paws Pet Insurance - More customizable plans created by people who love animals.
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Pet First insurance- same price policies for any breed of pet.
Corporation of Pethealth and all their other companies.
Pet Plan insurance - Excellent plans with upto 100% coverage!
Petsafe - Unlimited coverage at reasonable prices.
Pets Best Insurance - Travel to anywhere in the world with your pet and you’ll be covered! Or if you have a pregnant dog, this might be for you!
Quick Care - 5 plans, with one especially for Tenants!
Shelter Care - Great prices and excellent customer service.
Trupanionone plan so it’s easy, you just have to pick the perfect deductible for you.
Pet Insurance Terminology - all the complicated terminology explained simply and easily.