VPI Veterinary Pet Insurance - Pet InsurancePet Insurance
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Compare Pet Insurance Plans

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Pet insurance won't cover costs for any condition that your pet showed signs of before the start date of the policy. (Medical records or a vet exam might be required to establish your pet's health). But, pet insurance will cover new conditions and accidents. Also, all the pet insurance plans here will cover conditions that your pet might have been born with but haven't showed up yet. These are called hereditary or congenital conditions. So it's still important to get covered!

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VPI Veterinary Pet Insurance

Veterinary Pet Insurance (VPI) was one of the first pet insurance providers, and it is now over 30 years old. With an easy to use quoting and application process, VPI offers a cost-effective solution to your pet insurance needs.


Customizable Plans: yes
Insurance Underwriter: Veterinary Pet Insurance Company (CA); National Casualty Company (all other states)
A.M. Best Rating: Veterinary Pet Insurance Company A (Excellent); National Casualty Company A+ (Superior)
Deductible Type: annual
Maximum Payout per Incident: no maximum
Maximum Payout per Year: Medical Plan – $7,000; Major Medical Plan – $14,000
Maximum Lifetime Payout: no maximum
Reimbursement Based Upon: A benefit schedule is used to determine how much will be reimbursed per diagnosis/treatment per policy year. The benefit schedule allowances are reset each year.
Waiting Period: Most policies have a 14-day waiting period once the application is approved and payment is received. VPI Injury Plan coverage begins 24 hours after your policy has been issued.  The Pet Wellness Plan on its own (meaning not bundled with a medical plan) begins 24 hours after your policy has been issued.
Maximum Age to Enroll: 10 years
Lifetime Coverage Available: yes
Wellness & Routine Care Coverage Available: yes
Alternative Therapies Coverage Available: yes
Behavioral Treatment Coverage Available: no
These features may vary by state.

Plan Details

VPI offers several option plans and custom features so that you can find the perfect plan for your pet and your budget. Although VPI offers pet insurance plans for birds and exotic animals, the plans listed below are intended for dogs and cats.

Medical Plan Economical (Accidents and Illnesses):
This plan is designed to offer affordable, dependable coverage. 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.

Major Medical Plan Comprehensive (covers accidents, illnesses & hereditary conditions):
This is the most comprehensive protection, offering the 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.

Injury Plan (Dogs Only)
This plan is designed for accident only coverage for dogs only.. 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.

Feline Select Plan (Cats Only)
This plan offers essential coverage without the expense of a comprehensive plan. This low-cost plan provides 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

Wellness & Routine Care Coverage 

In addition to the options listed above, VPI also offers three options for wellness care coverage. Wellness coverage can be added to any of the plans listed above or can be purchased individually. The wellness plan covers routine services such as wellness exams, routine tests, vaccinations, deworming, and dental cleaning and spaying/neutering.

Find out which pet insurance plan is right for you and your pet and receive a free quote by completing the form  at the top of the page.