VPI Dog health insurance is available to pet parents who want the very best for their cuddly canine. This is an insurance policy that is designed to help you afford the best vet care for your dog from puppyhood to those senior years. VPI has programs for any type of pet including birds and cats. For people that are trying to maintain their budgets having pet insurance is a very affordable way of covering those pet costs that are continuing to increase every year. This company began its health care coverage for pets in 1980 and while there are definitely some good features to the plan, there are also some problems that you need to be aware of.

Pet Insurance Coverage

It would be better to have an insurance policy for pets that covered the charges upfront and then let owners pay their co-pays and deductible, but VPI does attempt to reimburse you in a timely manner. One of the biggest complaints from some consumers is that having to pay the vet bill and wait to recoup the covered charges still can put them in a bind when available money is tight. A few customers of VPI have also had problems getting their insurance check which then created additional stress and aggravation for them.

VPI Dog Health Insurance Plan

Another issue with the VPI dog health insurance plans is that pregnancy is not covered. A pregnant pooch with complications while pregnant can create enormous health care costs and you are on the hook for the entire bill because this is considered to be a planned event. Some owners have tried to argue that it was most certainly not planned, but then the company says that it is negligence on their part, so just be aware that you are not going to recoup for any pregnancy related charges.

Still one other problem that is annoying to some who have used the VPI plan in the past is their rather broad use of pre-existing conditions. Even if your animal does not have a diagnosed health condition when you sign up for the policy some future charges can be denied if the company feels that the medical care somehow relates to a problem that your pet had prior to coverage. A little known clause that is included on the VPI dog health insurance policies is that should you lose your dog a few weeks or months after you have signed up for the program, you still have to pay your premiums for a certain amount of time.