Veterinary Pet Insurance (VPI) Review

What’s Covered?

VPI has a variety of available plans through which they provide “nose-to-tail coverage” for a wide range of accidents, injuries and illnesses. Routine care coverage can be added to any plan.

1. “Major Medical Plan – comprehensive”
   • Covers accidents, illnesses and hereditary conditions
   • If you want a safety net for big vet bills, this is the plan you’re looking for. It’s our most comprehensive protection, with our highest level of benefits
   • • Double the benefit allowances of the Medical Plan
     • Limited hereditary coverage after the first year
     • Chronic condition coverage
     • Freedom to use any vet, anywhere
     • Benefits renew in full each year
     • Flexible deductible
     • Maximum annual benefit of $14,000
2. “Medical Plan – economical”
   • Covers accidents and illnesses
   • If you want dependable coverage for great value, this plan is perfect for you. It provides basic coverage for accidents, emergencies and illnesses, including cancer.
   • • Chronic condition coverage
     • Freedom to use any vet, anywhere
     • Benefits renew in full each year
     • Flexible deductible
     • Maximum annual benefit of $7,000
3. “Injury Plan – emergency”
   • Covers accidents only
   • If you just want coverage for emergencies, this plan is ideal for you. It offers low-cost coverage for injuries only (like poisonings and broken bones), but not medical conditions.
   • • Freedom to use any vet, anywhere
     • Benefits renew in full each year
     • Maximum annual benefit of $14,000
4. “Feline Select Plan – just for cats”
   • Covers common conditions
   • If you’re looking for essential coverage without the expense of a comprehensive plan, look no further. The Feline Select^℠ Plan offers low-cost coverage for the 15 most common cat conditions.
   • • No annual deductible
     • Chronic condition coverage
     • Freedom to use any vet, anywhere
     • Benefits renew in full each year
     • Maximum annual benefit of $9,000
5. “Pet Wellness Plan – everyday care” [Not available in all states]
   • Covers vaccinations, flea control and more
   • If you want cash back on the wellness care your pet needs every year, this plan is for you. Purchase individually or bundle with any plan.
   • There are 3 levels of coverage available: max, plus, basic.

Veterinary exam expenses are reimbursed up to the allowance as determined by the benefits schedule.

What’s Not Covered?

Exclusions include:

• all pre-existing conditions,
• congenital disorders,
• developmental defects.

Cruciate ligament injuries and hereditary conditions are excluded within the first 12 months.