VPI Pet Insurance

VPI Pet Insurance Becomes Nationwide Pet Insurance

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

VPI Company Snapshot

• Customer complaints across Yelp, BBB, Consumer Affairs, Independent review sites
• Low ratings due to unreliable payouts, excessive limits on coverage & poor customer service record
• VPI rebranded as Nationwide Pet Insurance but complaints about the same issues persist

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

Customer complaints note that the company’s benefit schedule is confusing and makes it difficult to calculate reimbursements. Negative reviews also note unexpected denials based on discrepancies in defining pre-existing conditions.

As the nations’s 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 continual 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.

 

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.

References

• VPI BBB Review
• VPI ConsumersAdvocate.com Review
• VPI Yelp Reviews
• VPI Nationwide Reviews
• VPI ConsumerAffairs.com Complaints

6 Comments
  1. Reply Cheska J 11/04/2016 at 1:35 pm

    I just recently got involved with taking care of pets since as I grew up, my mother didn’t want us to keep any pets at home. Now that I’m living on my own, I got a Chihuahua, and whew, I needed to learn the basics of taking care of pets and all that. And just found out that Doggies have insurances too! Trying to find which plan is best for my little doggie. Thanks for this informative post. $17 is not much considering it’s your pet’s life also at stake.

    • Reply Harold Willis Lowery 02/23/2017 at 2:08 am

      I had the same problem faxed the forms three weeks later they needed to know if only seen the vet during the waiting period fax that the very next day to prove that Odie did not see the vet doing waiting period So all they have to do is look at it put it with the paperwork and pay me but nope they sent me another letter and told me it could be another 30 days before they make a decision which I think is bullshit thinking about filing complaint with the attorney general and the Better Business Bureau

      • Reply Pet Insurance U 02/23/2017 at 5:42 am

        Sorry to hear about your experience, Harold. We hope you’re able to find a pet insurance plan that covers your pet. Feel free to reach out if you have any questions. Also, you can compare pet insurances on our site to see which is best for your family. All the best!
        The Pet Insurance U Team

  2. Reply francis woods 11/14/2016 at 1:00 am

    We used to use VPI, but switched to Petplan and really like them. VPI offered very low rates and good coverage, but we could never contact them about claims without a hassle. Aside from their customer service, VPI was a very good pet insurance company that saved us a lot of money.

  3. Reply bonniefletcher 02/02/2017 at 3:36 am

    I have been with Nationwide/VPI for several years. My older dog, Largent is a nine year old male neutered Sharpei. He was diagnosed with a mast cell tumor on his back right hock in March of 2016. He has been on chemo for several months. The total cost through Jan.2017 is $6369.41 for his regular vet and his cancer vet, Dr. Herrara at Blue Pearl Vets in Seattle, WA. Nationwide has paid $5340.05 leaving us with out of pocket costs of $1029.36.This is for 10 months of treatment. I do not consider that exorbitant and am so pleased with this insurance. I do have a cancer rider and the monthly payment has ranged from $50 to $57 as he has gotten older. He has been covered since he was three months old when I adopted him so I’ve paid over $10,000 in premiums but he also had a torn ACL and other trips to the regular vet. I considered a couple years ago switching to another company but found that their premiums were much higher than VPI/Nationwide and decided to remain with them. Am so happy I did as they have paid 85% of the costs associated with this cancer and kept him alive through ten months of treatment.

    • Reply Pet Insurance U 02/03/2017 at 7:02 am

      Bonnie, thank you for your feedback on Nationwide pet insurance. For a company with a spotty reputation, it seems they’ve taken good care of you and Largent. We’re so glad to hear that! It’s very helpful for real customers like you to provide Nationwide insurance reviews, so that other pet parents can make informed decisions when comparing pet insurance. Thanks again for sharing your experience. We hope Largent graduates past chemo treatment and on to live a happy pup life.
      All the best,
      Pet Insurance U

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