How Does VPI Pet Insurance Work?


Quick Answer

When a pet covered by VPI insurance needs a checkup or gets injured, the pet's owner takes the animal to the veterinarian, pays for the care, and then submits the bill to VPI for reimbursement, explains Veterinary Pet Insurance. Reimbursement depends on plan benefits after the applicable deductible.

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Full Answer

Veterinary Pet Insurance helps pet owners cover the cost of both routine and emergency care for their animals, according to VPI. Pet owners select from several different plans with monthly premiums, depending on the type of pet, their specific needs and budget considerations. After a 14-day waiting period, the pets are covered from head to tail. Coverage includes chronic illnesses that are diagnosed after coverage starts, but does not cover pre-existing conditions, congenital conditions or behavior problems.

Pet owners can keep their current veterinarian and never have to get authorization before any procedure that is covered by the plan, states VPI. Pets of any age are covered by the plan, as long as they are initially enrolled before the age of 10. There is no limitation on the number of claims that can be filed. If the plan is in good standing, pet owners can file for reimbursement for any covered procedure.

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