Pet Insurance Buyers’ Guide
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Does your company have a good reputation? Does your company provide continuous
As more than 50 other pet insurers have come and coverage at no additional cost for chronic
gone over the last three decades, only VPI has and recurring conditions?
proven to be the most trusted and recognized name Many other companies consider conditions treated
in pet health insurance. That’s why more than 80% during a policy term to be “pre-existing” on the next
of the nearly half million VPI policyholders would term, and will no longer cover them. With some
recommend VPI to a friend.* companies, you must pay significant additional
premium to get continuous coverage. All VPI plans
Can I keep seeing my current veterinarian? provide continuous coverage for chronic and recur-
With coverage from VPI, you can continue seeing ring conditions at no additional cost.
your pet’s veterinarian. In fact, you’re free to visit any
licensed veterinarian worldwide. You can even see Does your company cover pre-existing
a veterinary specialist or an emergency veterinarian. conditions?
And unlike other pet insurance companies, VPI will No pet insurance provider covers pre-existing
never change your reimbursement level or question conditions. However with VPI, temporary conditions
your decision to seek the best care for your pet. that are proven to have been cured and treatment-
free for at least six months may be reconsidered for
Does my veterinarian recommend future coverage.
Veterinarians recognize VPI Pet Insurance more Does the number of claims I file affect
than all other pet health insurers combined. In fact, my premium?
two-thirds of all veterinarians recommend VPI.† No. Because VPI premiums are based on the
age of your pet, your rates and coverage will never
Does your company have coverage be affected by the number of claims you file. Plus,
that I can easily understand and afford? VPI’s published benefit schedule ensures that your
Thanks to VPI’s published benefit schedule, you premium and coverage will not change as a result of
know up front exactly what’s covered and how much rising veterinary costs.
reimbursement is available. And because VPI plans
carry no lifetime limits, all of your benefits renew in How knowledgeable are the people answering
full annually. Compare and you’ll find that VPI has the my calls and processing my claims?
lowest average premium and provides the most At VPI, all Customer Care representatives complete
value for your dollar.◊ four full weeks of training before taking their first call;
sales representatives are licensed by the Department
How does your company determine of Insurance; our claims adjusters have real-world
claim reimbursements? veterinary experience; and there are 70 veterinary
VPI plans provide reimbursement for veterinary ex- professionals who work for the company.
penses based on a published benefit schedule, not a
percentage of the veterinary bill. The benefit schedule Is your company known for pet insurance?
means there are no surprises in your coverage. You VPI started the pet insurance industry in the U.S.
can depend on maximum stability in both premium nearly three decades ago—and pet insurance
and reimbursement—for the life of your pet. With VPI, has always remained its only focus.
there are: Unlike others, VPI is not an agency that
• No decreases or changes in annual leases its name from an outside
reimbursement allowances. organization or product manufacturer.
• No hidden “usual and customary” fees. * Western Wats NPS Study, July 2009
† 2010 Veterinary AAU Study
• No arbitrary premium increases due to ◊ For plans of comparable coverage from
rising pet healthcare costs. nine other pet insurance providers
VPI® PET INSURANCE The #1 Veterinarian-Recommended Pet Insurance Provider