I decided to get VPI pet insurance! - YorkieTalk.com Forums

Teryn · 08-07-2007, 01:51 PM

So, after a rough two weeks with my two babies and the extraordinary vet bills that I have to pay, I have decided to get VPI Pet Insurance. It's about $55 a month for both of them. I did all of the math and I will come out on the positive end with the insurance. It also helps because it is drafted monthly. I know now how easy it is for something to happen, and it helps to get a reimbursement check to cover the bills. I don't think it is for everyone, but it is for me and my little ones. Between annual visits, teeth cleanings, microchipping, tooth removal, shots, heartworm prevention, and any other unforeseen issues, it will help me greatly! Let me know if any of you have had experience with VPI, positive or negative. Thanks!

crystalsmom · 08-07-2007, 03:17 PM

I don't have it but I hear it is excellent.

Stacy C · 08-07-2007, 03:27 PM

I am signing up for it as soon as my puppy (Morkie) is delivered. One of my good friends has it and loves it. They have stated that it has saved them lots of money, with the emergency room visits and medications, etc.

Patti · 08-07-2007, 05:23 PM

I have it on CAli and Pixie but not Maya. Maya has cost me 2000 since April and no insurance. I just sent in 2 claims for Pixie totaling 680.00 and I am hoping to get at least half back. With Cali she had a hypoglycemic episode days before her coverage became effective so they excluded any claim for that and her MVD clains were denied as genetic, but all in all out of over 7,000 in claims on Cali I was reimbursed about 2000 or so, which is way more than I paid in premiums. I just feel better having it. I think you will be happy with it.

sgab80 · 08-08-2007, 04:48 PM

I have it, have had it since I got Lillybelle. I so glad I do. Its convienent and easy to use, just pay your vet bill, have the vet sign and fill out the form, fax it and you will get you check in a couple weeks. I figured I would about break even if she wasnt sick and if she was it most likely would cover about half. It was a big help when she was spayed and microchipped.

spruitt7 · 08-21-2007, 09:34 PM

I've been reading about VPI also. I have a 13 week old puppy and hes already got kennel cough. I really want this, but I'm not sure if I'll end up losing more money than I'm actually getting back.

KathyinCali · 08-22-2007, 12:24 PM

I've had it for Lucy since the first of June when we brought her home. So far they have covered an average of about 50% of her visits/tests, etc.

ladybugg74 · 08-22-2007, 12:31 PM

We are thinking about getting it for our girls. We have spent so much in the last month.

PeanutPoohBear · 08-22-2007, 12:35 PM

We're glad to hear some positive feedback, it has been in the back of our heads to go with VPI for a while now, I think we will!

Thanks!

Elisandra · 08-22-2007, 12:38 PM

I had it for Rocky and was paying $32 a month and when i had him nuetered with all his test and all i spent $405. When i sent in the forms and all i was reimbursed $85. I guess for some people it works out but for me i didnt think it was worth it. I know one day im going to be kicking myself for it but right now i just pay cash.

veguroev · 08-23-2007, 07:26 PM

I was going to get it for Jerome because of his GI issues, and also I get a discount thru my work, but when I called them the y told me it was going to be thirty something for Jerome and then when they asked me why I wanted to get insurance and told her that he has cost me a lot of money for that GI issue, she told me that I needed to get that taken care of before I can put him on the insurance. well, I called Petsbest insurance and I even got 10 off because the vet I take my babies to recmmends that insurance.

stewartsdsu · 08-23-2007, 10:39 PM

When Riley got diagnosed with MVD, VPI dropped him. They sent a certified letter to my house and I had to sign for it.

Even though my vet wrote diagnosis undetermined on the first couple claims, they still didn't cover any of what turned out to be more than a $5,000 bill. At first they covered a % of his puppy shots, which was nice. They didn't cover his neuter because they said he used up all his limits or something. I was paying $30-something a month. It was a really bad experience. Riley has a sister now and I was thinking about getting insurance (a different kind) for her, but I figure, I'll spend more money every month than I'll actually use it. If there's an emergency, that's what credit cards are for...well, for me at least.

Monday · 09-08-2007, 09:45 PM

Quote:

Originally Posted by Elisandra

I had it for Rocky and was paying $32 a month and when i had him nuetered with all his test and all i spent $405. When i sent in the forms and all i was reimbursed $85. I guess for some people it works out but for me i didnt think it was worth it. I know one day im going to be kicking myself for it but right now i just pay cash.

That is the same thing that happened to me ... I think the vet "ups" the price when he knows you have VPI ... so I just put away a certain amount monthly and hope I never have to use it.

Oh, and then there were times I had to gather all the paperwork to get it in, and i am SO bad with that!

$400.00 a year and it does NOT cover genetic disorders or previous conditions ...
This was my experience with it ......

Yorkiekids · 09-09-2007, 06:37 AM

Anybody have the site for VPI insurance?

crystalsmom · 09-09-2007, 06:50 AM

Here ya go
http://www.petinsurance.com/

08-07-2007, 01:51 PM	#1
Teryn YT Addict Join Date: Jun 2007 Location: Raleigh, NC Posts: 250	I decided to get VPI pet insurance! So, after a rough two weeks with my two babies and the extraordinary vet bills that I have to pay, I have decided to get VPI Pet Insurance. It's about $55 a month for both of them. I did all of the math and I will come out on the positive end with the insurance. It also helps because it is drafted monthly. I know now how easy it is for something to happen, and it helps to get a reimbursement check to cover the bills. I don't think it is for everyone, but it is for me and my little ones. Between annual visits, teeth cleanings, microchipping, tooth removal, shots, heartworm prevention, and any other unforeseen issues, it will help me greatly! Let me know if any of you have had experience with VPI, positive or negative. Thanks! __________________ Mother to 2 gorgeous & intelligent little yorkies, (Chica) Mia and Yoshi , and 1 chinchilla Posh !

08-07-2007, 03:17 PM	#2
crystalsmom Donating YT 3000 Club Member Join Date: Jul 2005 Location: Ohio Posts: 7,946	I don't have it but I hear it is excellent. __________________

08-07-2007, 05:23 PM	#4
Patti Donating YT 30K Club Member Join Date: Oct 2005 Location: Illinois Posts: 35,509 Blog Entries: 6	I have it on CAli and Pixie but not Maya. Maya has cost me 2000 since April and no insurance. I just sent in 2 claims for Pixie totaling 680.00 and I am hoping to get at least half back. With Cali she had a hypoglycemic episode days before her coverage became effective so they excluded any claim for that and her MVD clains were denied as genetic, but all in all out of over 7,000 in claims on Cali I was reimbursed about 2000 or so, which is way more than I paid in premiums. I just feel better having it. I think you will be happy with it. __________________ Cali Pixie Roxie : RIP Nikki; RIP Maya;RIP my sweet Dixie girl 1/17/08 http://callipuppyscastle.bravehost.com/index.html

08-22-2007, 12:24 PM	#7
KathyinCali Love My Li'l Lucy Donating Member Join Date: Jun 2007 Location: Southern California Posts: 6,700	I've had it for Lucy since the first of June when we brought her home. So far they have covered an average of about 50% of her visits/tests, etc. __________________ Kathy and Lil' Lucy and Jammies Rest in Peace my Sweet Buster

08-22-2007, 12:31 PM	#8
ladybugg74 Donating YT 500 Club Member Join Date: May 2005 Posts: 1,054	We are thinking about getting it for our girls. We have spent so much in the last month. __________________ Heather - Mamma to Gracie & Hallee

08-07-2007, 03:27 PM	#3
Stacy C YorkieTalk Newbie! Join Date: Aug 2007 Location: Orange County, California Posts: 5	I am signing up for it as soon as my puppy (Morkie) is delivered. One of my good friends has it and loves it. They have stated that it has saved them lots of money, with the emergency room visits and medications, etc.

08-08-2007, 04:48 PM	#5
sgab80 Senior Yorkie Talker Join Date: Jan 2006 Location: Tennessee Posts: 214	I have it, have had it since I got Lillybelle. I so glad I do. Its convienent and easy to use, just pay your vet bill, have the vet sign and fill out the form, fax it and you will get you check in a couple weeks. I figured I would about break even if she wasnt sick and if she was it most likely would cover about half. It was a big help when she was spayed and microchipped.

08-21-2007, 09:34 PM	#6
spruitt7 Donating YT Addict Join Date: Aug 2007 Location: Chicago Posts: 944	I've been reading about VPI also. I have a 13 week old puppy and hes already got kennel cough. I really want this, but I'm not sure if I'll end up losing more money than I'm actually getting back.

08-22-2007, 12:35 PM	#9
PeanutPoohBear Senior Yorkie Talker Join Date: Mar 2007 Location: Currently moving to Plano, IL Posts: 195	We're glad to hear some positive feedback, it has been in the back of our heads to go with VPI for a while now, I think we will! Thanks! __________________ Yorkshire Terrier Club of Illinois ytci.org

08-22-2007, 12:38 PM	#10
Elisandra Rocky's Slave 4 ever Donating Member Join Date: Apr 2006 Location: Astoria, NY Posts: 1,607	I had it for Rocky and was paying $32 a month and when i had him nuetered with all his test and all i spent $405. When i sent in the forms and all i was reimbursed $85. I guess for some people it works out but for me i didnt think it was worth it. I know one day im going to be kicking myself for it but right now i just pay cash. __________________ Lets put a end to Puppy Mills Proud member of the Little Gentleman's Club

08-23-2007, 07:26 PM	#11
veguroev Donating YT 1000 Club Member Join Date: Nov 2005 Location: Space City Posts: 2,079	I was going to get it for Jerome because of his GI issues, and also I get a discount thru my work, but when I called them the y told me it was going to be thirty something for Jerome and then when they asked me why I wanted to get insurance and told her that he has cost me a lot of money for that GI issue, she told me that I needed to get that taken care of before I can put him on the insurance. well, I called Petsbest insurance and I even got 10 off because the vet I take my babies to recmmends that insurance. __________________ IF THERE ARE NO DOGS IN HEAVEN, THEN WHEN I DIE I WANT TO GO WHERE THEY GO. CHIKIS, OSCARITO,JEROME, KIKI, AND NEGRITA.

08-23-2007, 10:39 PM	#12
stewartsdsu Senior Yorkie Talker Join Date: May 2006 Location: San Diego, CA Posts: 91	When Riley got diagnosed with MVD, VPI dropped him. They sent a certified letter to my house and I had to sign for it. Even though my vet wrote diagnosis undetermined on the first couple claims, they still didn't cover any of what turned out to be more than a $5,000 bill. At first they covered a % of his puppy shots, which was nice. They didn't cover his neuter because they said he used up all his limits or something. I was paying $30-something a month. It was a really bad experience. Riley has a sister now and I was thinking about getting insurance (a different kind) for her, but I figure, I'll spend more money every month than I'll actually use it. If there's an emergency, that's what credit cards are for...well, for me at least. __________________ http://www.myspace.com/yorkiesforever

09-09-2007, 06:37 AM	#14
Yorkiekids Piper & Sebastian Donating Member Join Date: Jul 2007 Location: florida Posts: 14,495	Anybody have the site for VPI insurance? __________________ Susan, Piper ,Harley & Suiki

09-09-2007, 06:50 AM	#15
crystalsmom Donating YT 3000 Club Member Join Date: Jul 2005 Location: Ohio Posts: 7,946	Here ya go http://www.petinsurance.com/ __________________