VPI Pet Insurance Review

In 2015, VPI Pet Insurance was rebranded as Nationwide Pet Insurance.

VPI Company Snapshot

  • VPI had below-average reviews across several sites. But since it was brought into the Nationwide brand, customer sentiment has improved dramatically.
  • Low ratings tend to be focused on frustration with payouts–VPI’s coverage has so many options that it’s important to review your coverage very carefully before purchasing a policy.

How does VPI stack up against other pet insurance providers?

Veterinary Pet Insurance (VPI) Coverage Plans

Plans for pet insurance through VPI offer flexible coverage and as much as 90% reimbursement on vet bills.

Because the company is part of Nationwide Insurance, VPI is positioned to offer competitive rates with these three plans.

Nationwide’s Whole Pet with Wellness

  • Starts at $64 per month
  • Exams and treatments
  • Lab tests and X-rays
  • Prescription coverage
  • Accident coverage
  • Surgical and hospitalization
  • Hereditary conditions, no waiting period
  • Chronic conditions
  • 90% reimbursement on vet bills
  • No maximum benefit

Nationwide’s Major Medical

  • Starts at $34 per month
  • Exams and treatments
  • Lab tests and X-rays
  • Prescription coverage
  • Accident coverage
  • Surgical and hospitalization
  • Some hereditary conditions, waiting period
  • Reimbursements per schedule

Nationwide’s Pet Wellness

  • Starts at $17 per month
  • Wellness exams
  • Vaccinations and tests
  • Flea and heartworm prevention
  • Reimbursements per schedule

VPI earned an average rating of 2 stars out of 389 reviews on Yelp

Additional VPI/Nationwide Plans

VPI once covered pet health care basics with these additional budget-friendly plans.

However, these older plans have been phased out and replaced by the plans above.

VPI Medical

  • Starts at $20 per month
  • Flexible deductible
  • Illness and emergencies
  • Some chronic conditions

VPI Injury

  • Starts at $10 per month
  • Accident coverage only

VPI Feline Select

  • Starts at $20 per month
  • 15 common cat conditions
  • Some chronic conditions

Our VPI Pet Insurance Review

VPI pet insurance logoCustomer complaints note that the company’s benefit schedule is confusing and makes it difficult to calculate reimbursements.

As the nations’ oldest pet health insurance company, VPI offers some of the industry’s broadest coverage.

Established in 1982, the company covered Lassie, TV’s original pet celebrity.

In 2014, VPI and Nationwide Insurance joined together to provide coverage for pet owners across the country.

The VPI Whole Pet plan offers an unlimited annual maximum payout and includes comprehensive and continual coverage for chronic disease.

Hereditary, congenital and breed-specific conditions are also covered.

VPI Major Medical coverage for chronic disease is continuous and based on the company’s benefit schedule and allowances.

The plan doesn’t cover congenital conditions and limits coverage for hereditary conditions.

Payout structures between these two top-tier VPI plans are different.

Whole Pet has an unlimited annual maximum payout structure.

The Major Medical plan limits payments to benefit allowances specific to medical conditions.

VPI online customer support offers enrollment for new pets, account management, and policy renewal.

Forms available for download include claim forms, benefit schedules, review requests and policy transfers.

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VPI Pet Insurance Q & A

What kind of reimbursements does VPI offer?

The Whole Pet plan reimburses 90% of vet costs.

The remaining plans base reimbursement on specific benefit schedules with limits and caps on payout amounts.

Is there a surcharge for emergencies?

Customers who need emergency pet care don’t pay a surcharge for emergency clinic services.

There is no surcharge for examination by a specialist, and no referral is required to make the appointment.

How soon is a policy effective?

Whole Pet and Major Medical require a 14-day waiting period after application approval and payment receipt.

Pet Wellness goes into effect 24 hours after policy issue and payment receipt.

How are claims handled?

The customer pays for treatment and then sends in a claim form along with invoices documenting payment.

VPI processes the claim and mails reimbursement to the customer.

Can a pet be dropped because of age?

As long as a pet is enrolled before age 10, it enjoys lifetime coverage.

The policy stays in force unless the customer decides to cancel. This can be done through the customer’s online account or in writing.

How does VPI cover birds and exotic pets?

The company’s Bird and Exotic Pet Insurance covers illness, accidents, exams and more.

Most pet bird species are covered, and the exotic pet list includes hamsters, rats, lizards, turtles and ferrets.