Benefit Schedules
What Is a Benefit Schedule?
A benefit schedule is an itemized list of available reimbursement amounts for specific medical diagnoses. Each VPI base plan has a published benefit schedule indicating the reimbursement allowances available during your pet’s one-year policy term.
Easy Reference
All VPI policyholders receive a benefit schedule with their policy so that they may reference the available amounts and know what reimbursement they will receive when filing a claim.
Transparent Benefits
VPI benefit schedules are publicly available and are filed with the Department of Insurance, ensuring that each step of the claims process is fully transparent.
No Surprises
VPI uses a published benefit schedule so you can know exactly what to expect when filing a claim, eliminating the need for guesswork.
How Does the Benefit Schedule Work?
Benefit allowances are categorized and itemized by diagnosis (for example, Fractures) and by treatment (for example, Cast). When you submit a claim, your veterinarian’s diagnosis is used to identify the category under which your reimbursement is determined. You are reimbursed for the eligible benefit amount* less the deductible.
The maximum reimbursement allowance for each diagnosis is replenished every time your dog suffers a new, unrelated injury during your one-year policy term.
*The eligible benefit amount is the lesser of the benefit schedule allowance or your submitted expense.
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To view the plans available in your state please select your pet type below:
Featured Pet Story
Beau’s parents came home to find him sitting next to a crumpled metal toy car. A day later, his veterinarian removed 42 metal pieces from his stomach…and a dish towel no one knew was missing. Read Beau’s survival story
Beware of “Reasonable and Customary Fees
”
Pet insurance providers typically use one of two methods in determining reimbursements:
- A benefit schedule, which identifies up front how much is available per incident.
- “
Reasonable and customary fees,
” which vary by geographic region and are determined at the insurer’s discretion.
VPI uses a published benefit schedule to be transparent about our claims processes and reimbursements. Insurers using “reasonable and customary fees
” are not held accountable to publicly identified amounts; you don’t know what the reimbursement amount is until you receive the check.