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-   Yorkie Health & Diet (https://www.yorkietalk.com/forums/yorkie-health-diet/)
-   -   VPI Pet Insurance (https://www.yorkietalk.com/forums/yorkie-health-diet/38357-vpi-pet-insurance.html)

Lola LaRue 04-19-2006 06:05 PM
VPI gave us a $455 check for an almost $1200 emergency visit. We are currently waiting for a check for a $5000 surgery. We have no idea how much they will cover. We have the superior plan and so far they have been great on reimbursements. We feel that it is worth the amount we pay for piece of mind and in the amount of time we have had insurance (about 4 months) it has been worth it. Good luck to you and as of now, I highly recommend VPI. :aimeeyork

Patti 04-19-2006 06:08 PM
Quote:
Originally Posted by Lola LaRue
VPI gave us a $455 check for an almost $1200 emergency visit. We are currently waiting for a check for a $5000 surgery. We have no idea how much they will cover. We have the superior plan and so far they have been great on reimbursements. We feel that it is worth the amount we pay for piece of mind and in the amount of time we have had insurance (about 4 months) it has been worth it. Good luck to you and as of now, I highly recommend VPI. :aimeeyork
I also have the superior plan but not the routine. Did you have to provide medical records or did they just pay off of the claim form? I still keep the insurance becasue you never know what's down the road.

Lola LaRue 04-19-2006 06:14 PM
Lola's only preexisting condition was a cold. I don't think they will cover any problems down the road for breed specific problems. They reimbursed us for a broken leg. Her surgery was for a second broken leg. The break was in the same spot so it should be covered again. It has been about 2 1/2-3 weeks since I sent the claim in. It has taken about a month for all other claims to get answered. I am not sure if they will ask for more medical records. If they do, we will provide them and hopefully they will reimburse us sufficiently.

ALLlovesLULU 04-19-2006 06:56 PM
sorry for your troubles again, patti; hope it works out :(

kendal 04-29-2006 08:53 AM
How much is VPI and what is their website address?

bren 04-29-2006 11:55 AM
www.petinsurance.com

There are different plans so you might want to check out prices online.

njyorkieluvr 05-09-2006 01:34 PM
I am looking for pet insurance for my soon to be...and my search bought me here. I like that VPI is affordable..but i am uncomfortable with the fact that they dont cover hereditary or congenital....I have been assured that my pup doesnt have this but one never knows now do one? and yorkies like other dogs have health issues.
i found one insurance co that covers "All illnesses covered - including hereditary conditions (some conditions may apply)". I will call them to get specifics..but this is the website..http://www.petcareinsurance.com/index.asp. for 6 orso dollars more... i think it might be worth it...i will continue searching YT to see if anyone has this coverage.(quickcare preferred)
JMO.:aimeeyork

Patti 05-09-2006 03:52 PM
That sounds good. VPI just sent me 2 checks for Cali's 5,000.00 in bills. They totaled 850.00. I was happy with that as at first they weren't goin gto pay anything because of preexisting and genetics related.

Tiger's Mom 05-28-2006 08:02 PM
Quote:
Originally Posted by njyorkieluvr
I am looking for pet insurance for my soon to be...and my search bought me here. I like that VPI is affordable..but i am uncomfortable with the fact that they dont cover hereditary or congenital....I have been assured that my pup doesnt have this but one never knows now do one? and yorkies like other dogs have health issues.
i found one insurance co that covers "All illnesses covered - including hereditary conditions (some conditions may apply)". I will call them to get specifics..but this is the website..http://www.petcareinsurance.com/index.asp. for 6 orso dollars more... i think it might be worth it...i will continue searching YT to see if anyone has this coverage.(quickcare preferred)
JMO.:aimeeyork
Have you checked into this website you thought might be better? I want to get insurance for Annika and want to get a good one.

Dan & Corinne 05-28-2006 08:14 PM
VPI - I Don't Leave Home Without It!
 
Quote:
Originally Posted by Patti
I just got a letter in the mail from VPI wanting every and all records. lab results, diagnosis, physical findings and treatments for Cali from every veterinarian that has seen Cali from 8-1-05 to 4-7-06. I did'nt even have Cali until 8/29/05. I alos sent in extensive records fron the Er vet for her 2700.00 surgery. I don't get it why I am having somuch trouble with them. I also sent a letter with it telling them I knew they wouldn't cover her hypoglycemic claims and lspaying but her possible intestinal blockage should have been covered. AHHH!
They did requesting similar thing when I enrolled Jazzie but that was because she had a prexiting condition. When I enrolled Jewel they did not request anything.

I like the fact that I can go to any vet anywhere in the US and have coverage. Just like any insurance wether it's for a car, home or personal medical, you pay a premium for "Just in Case".

As a matter of fact, I couldn't be happier with VPI. In the past year we have spent thousands of dollars for Jewel's tests and care. Her MRI alone was over $3,000 and they reimbursed over $1,400 or so. I was denied once but when I called them I found out THEY made a mistake and I received a check for the claim. We didn't have the funds when Jewel first got sick, we ended up having to re-finance the house to cover her bills. What a relief it was when the claim checks started to arrive.

VPI even covered for Jewel's accupunctures!

I would never own a pet without VPI insurance.

yougetthesmiles 07-20-2006 01:52 PM
Patti?
 
Quote:
Originally Posted by Patti
That sounds good. VPI just sent me 2 checks for Cali's 5,000.00 in bills. They totaled 850.00. I was happy with that as at first they weren't goin gto pay anything because of preexisting and genetics related.
are you saying they didnt want to pay cause Cali had a pre-existing problem before she was covered?

Patti 07-20-2006 02:29 PM
Yes if they dog has been treated for a condition prior to the effective date they won't pay for any charges related to that. Cali went hypoglycemic a few days after I had her and they excluded that form the coverage. I have gotten some reimbursement for her intrstinal blockage surgery but not for any Liver Shunt related charges as they are considered genetic.


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