Pet insurance is becoming more and more essential for pet owners as veterinary costs continue to rise. One of the most well-known providers of pet insurance is VPI Pet Insurance. VPI Pet Insurance provides coverage for dogs, cats, birds, and exotic pets such as reptiles and small mammals. In this article, we will take a deep dive into VPI Pet Insurance, its coverage options, pricing, and how it compares to other pet insurance options.
What is VPI Pet Insurance?
VPI Pet Insurance is one of the oldest and most established pet insurance providers in the United States. They were founded in 1980 and have been providing pet insurance coverage to pet owners ever since. VPI Pet Insurance offers various plans that provide coverage for a wide range of conditions and procedures.
VPI Pet Insurance is now owned by Nationwide, which has helped them to expand their coverage options and offer more comprehensive plans to pet owners.
What plans does VPI Pet Insurance offer?
VPI Pet Insurance offers several plans to pet owners, including:
Plan Name |
What’s Covered |
Medical Plan |
Covers accidents and illnesses |
Wellness Plan |
Covers routine and preventive care |
Major Medical Plan |
Covers accidents, illnesses, and hereditary conditions |
Whole Pet with Wellness |
Covers accidents, illnesses, hereditary conditions, and routine care |
Each plan has different coverage options and pricing, so it’s important to understand which plan is best for your pet’s needs.
Medical Plan
The Medical Plan is VPI Pet Insurance’s most basic plan. It covers accidents and illnesses such as broken bones, cancer, and infections. However, it does not cover routine care or preventive measures such as vaccinations.
Wellness Plan
The Wellness Plan is designed to cover routine care and preventive measures. This includes vaccinations, flea and tick prevention, and heartworm medications. However, it does not cover accidents or illnesses.
Major Medical Plan
The Major Medical Plan is a more comprehensive plan that covers accidents, illnesses, and hereditary conditions. This includes conditions such as hip dysplasia and other genetic conditions that may affect your pet’s health.
Whole Pet with Wellness Plan
The Whole Pet with Wellness Plan is the most comprehensive plan offered by VPI Pet Insurance. It covers accidents, illnesses, hereditary conditions, and routine care such as vaccinations and preventive measures. This plan provides pet owners with peace of mind knowing that their pet is covered for all eventualities.
What does VPI Pet Insurance cover?
VPI Pet Insurance covers a wide range of conditions and procedures, depending on the plan you choose. Some of the conditions and procedures covered by VPI Pet Insurance include:
- Accidents
- Illnesses
- Hereditary conditions
- Cancer treatment
- Surgery
- Diagnostics
- Prescription medications
- Dental care
- Alternative therapies such as acupuncture and chiropractic
It’s important to note that pre-existing conditions are not covered by VPI Pet Insurance. Pre-existing conditions are any conditions that your pet had before you took out the insurance policy.
How much does VPI Pet Insurance cost?
The cost of VPI Pet Insurance depends on several factors, including your pet’s age, breed, and location. The cost of the different plans offered by VPI Pet Insurance ranges from $16 to $70 per month.
The Medical Plan is the most affordable plan and starts at $16 per month. The Whole Pet with Wellness Plan is the most expensive and starts at $70 per month.
The cost of the insurance policy will also depend on the deductibles and coverage limits you choose. A higher deductible or lower coverage limit will lower your monthly premium, but it will also mean that you will have to pay more out of pocket if your pet needs medical care.
How does VPI Pet Insurance compare to other pet insurance providers?
There are many pet insurance providers available in the market, so it’s important to compare the different options to find the one that’s best for your pet’s needs.
VPI Pet Insurance is known for its comprehensive coverage options and its long history in the pet insurance industry. However, it’s important to note that VPI Pet Insurance may not be the best option for every pet owner.
Other pet insurance providers such as Healthy Paws and Petplan offer more comprehensive coverage options and have more competitive pricing.
FAQs
Is VPI Pet Insurance worth it?
VPI Pet Insurance can be worth it if you want comprehensive coverage for your pet and have the budget to pay for the monthly premiums. It’s important to assess your pet’s medical needs and choose a plan that provides the right coverage.
Does VPI Pet Insurance cover pre-existing conditions?
No, pre-existing conditions are not covered by VPI Pet Insurance.
Can I use any veterinarian with VPI Pet Insurance?
Yes, you can use any licensed veterinarian with VPI Pet Insurance.
How long does it take to process a claim with VPI Pet Insurance?
Claims are typically processed within 14 business days.
What is VPI Pet Insurance’s customer service like?
VPI Pet Insurance is known for its excellent customer service. Their representatives are available 24/7 to answer any questions or help with claims.
Conclusion
VPI Pet Insurance is a comprehensive pet insurance provider with a long history in the industry. It offers several plans that provide coverage for accidents, illnesses, hereditary conditions, and routine care. VPI Pet Insurance may not be the best option for everyone, but it’s worth considering if you want comprehensive coverage for your pet.
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