VPI Review

In addition to providing quality pet insurance for cats and dogs, VPI is one of the very few companies that also has policies available for birds and exotic pets. They offer a wide variety of plans to choose from, though pets must be under 10 years of age to be eligible.

Sign Up Now

The Good

Insures all types of pets

Veterinary Pet Insurance (VPI) is unique when you consider they insure birds and other exotic pets in addition to cats and dogs. This includes all types of animals from rabbits and hamsters to iguanas and snakes. Because treatments needed by these types of pets are very different and commonly more expensive than treatments for cats and dogs, a special policy is necessary to make sure they receive an appropriate level of coverage. Note that you cannot get a quote for birds or exotic pets on VPI’s website so you must call and speak to a representative.

Accident-only policies available

If you’re only looking for basic coverage for your pet, choosing an accident-only policy from VPI pet insurance is the more affordable way to go. These plans don’t offer any coverage for illnesses but, if your pet gets into an accident, they pay for hospitalization, surgeries, emergency visits, medication, and more. Not many other pet insurance providers offer these types of plans but they’re a valuable option to have, particularly for older dogs and cats who may have difficulty finding decent coverage elsewhere.

No mandatory copay

Unlike most other companies, VPI doesn’t require their customers to pay a percentage of their pet’s covered medical treatment. All you have to pay for is your monthly premium and your deductible. Once that’s met, VPI takes over from there and covers any necessary costs for restoring your pet to full health. Though many companies give you a choice of copay, very few allow you to choose zero copay. If you don’t want to worry about paying for expensive vet bills, consider VPI.

Expedient quote tool

VPI’s quote process is very straightforward and easy to complete. First, you enter some basic information about your pet like its name, species, breed, and birth date. Then you select how much coverage you want and what you’d like your deductible to be. Once you complete that, you can view your complete policy, including descriptions of a number of common pet injuries and illnesses and how much the insurance provider reimburses you for each. From there, you just answer a few more questions about your pet and enter your payment information. You can email or save your quotes at any time if you’re not ready to make a purchase. Quotes can also be completed over the phone.

Discounts for multiple pets

VPI pet insurance doesn’t offer many ways to save on your policy, but if you insure multiple pets you can expect to save a whopping 15% on your premiums. Most pet insurance companies that offer the same discount only give you around 5% off. If you have two or more pets, it’s definitely worth getting a VPI quote to see how much you can save.

The Bad

Doesn't cover congenital conditions

Although VPI does cover the majority of illnesses, including hereditary conditions, they don’t pay for treatments required due to a congenital disorder, which is a condition your pet has from birth. They’re considered pre-existing conditions and aren’t covered. Though it’s very common for pet insurance providers to refuse insurance for pre-existing conditions, congenital conditions are usually not classed as pre-existing by most other companies. If you own a pet that has a birth defect that may require treatment, you’ll want to select a different company.

The Details


  • Co-Payment: 0%
  • Deductible: $100, $250, or $500
  • Maximum Age of Pet to Be Insured: Unlimited
  • Maximum Annual Benefit: $14,000 - Unlimited
  • Maximum Benefit Per Incident: Varies

Similar Products