VPI or Veterinary Pet Insurance, sometimes mistakenly called VIP pet insurance, is one of the leading companies for dog insurance. They have solid credentials and plenty of experience in the industry. When I did some pet insurance searches on the Internet they were everywhere. I gave them a call to see what they had to offer and also read many of the online customer comments from various websites including Yahoo Answers, Pet Insurance Review and Complaints.com. My research revealed some positive and negative results.
The Positive
VPI is the largest and oldest pet insurance company in the United States. They have a wide variety of coverage options. They have plans that, besides dogs, include cats, birds and exotic pets.
The policies are very customizable and have many options including teeth cleaning and routine care. According to my research they are good about paying for minor or routine claims.
The Negative
On a scale of one to ten I would give my customer service experience an 8. The woman was very knowledgeable, but she didn’t come down to my level. When I asked basic questions she gave me ambiguous and complicated answers. I needed someone to simplify the plans. For example, I asked if there was a choice of deductibles, maximums and co-pays. Instead of answering my question she started rattling off plan specifics. This was probably an isolated incident and the companies service as a whole was reported as good to very good.
Another negative is that they don’t cover genetic or pre-existing conditions. This is very important because almost any serious illness can be classified as one of the two. This is typical of most pet insurance companies.
In conclusion, VPI Pet Insurance has experience and knowledge and should definitely be in the top three companies you choose to research.