VPI Pet Insurance (r) - a Nationwide Insurance Company
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Check up to two companies to compare with VPI:

Companies are arranged in descending order of market share. All footnotes appear at the bottom of this page.

coverage and pricing

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Feature VPI ASPCA 24PetWatch Petplan Pets Best PetFirst AKC Embrace Trupanion PurinaCare HealthyPaws
Plan Name VPI Major Medical Plan
with CareGuard Premier
Level 4
with Advanced Wellness
QuickCare Complete Silver Plan Level 2
with BestWellness
Lifetime $10,000 Wellness Plus Plan Embrace Plan ($15k max)
with Rx Drug Coverage and Wellness Plus Rewards
Trupanion Plan PurinaCare Plus Healthy Paws Plan
Monthly Base Premium $37.11 $73.28 $64.90 $52.41 $83.52 $95.40 $167.67 $89.80 $64.11 $54.04 $40.16
Wellness Rider $22.00 $26.00 N/A: Wellness included in base plan N/A: No Wellness Available $22.00 N/A: No wellness available with this plan N/A: Wellness included in base plan Wellness Rewards (Not an insurance policy.): $24.98 N/A: No Wellness Available N/A: Wellness included in base plan N/A: No Wellness Available
Additional Coverage Rider(s)
To provide most similar coverage as available with VPI Major Medical Plan
N/A N/A N/A N/A N/A N/A N/A Rx Drug Coverage (Prescription Medications Rider):
$13.47
Optional Benefits (AKA Complementary Care):
$24.25
N/A N/A
Total Monthly Premium
Monthly premium based on 1-yr-old Labrador Retriever in San Diego, CA (92114)
$59.11 $99.28
(Based on current rates after recent increases of about 20% in some areas. Prices may have changed again, check website for details.)
$64.90
(Based on current rates after recent increases of about 10% in some areas. Prices may have changed again, check website for details.)

Premium may increase if determined you've submitted an excessive number of claims
$52.41
(Based on current rates after recent increases of about 10% in some areas. Prices may have changed again, check website for details.)
$105.52 $95.40
(Based on current rates after recent increases of about 15% in some areas. Prices may have changed again, check website for details.)
$167.67
(Based on current rates after recent increases of about 20% in some areas. Prices may have changed again, check website for details.)
$128.25
(Based on current rates after recent increases of about 10% in some areas. Prices may have changed again, check website for details.)
$88.36 $54.04 $40.16
(Based on current rates after recent increases of about 10% in some areas. Prices may have changed again, check website for details.)
Deductible $100 Annual $100 Annual $100 Per Incident
Per Incident deductible means the deductible is applied to each new incident. Therefore, one vet bill with two "incidents" means that the deductible is applied for each incident separately, resulting in two deductibles on one vet bill.
$50 Per Incident
Per Incident deductible means the deductible is applied to each new incident. Therefore, one vet bill with two "incidents" means that the deductible is applied for each incident separately, resulting in two deductibles on one vet bill.
$100 Annual $50 Per Incident
Per Incident deductible means the deductible is applied to each new incident. Therefore, one vet bill with two "incidents" means that the deductible is applied for each incident separately, resulting in two deductibles on one vet bill
$125 Annual $100 Annual $50 Per Incident
Per Incident deductible means the deductible is applied to each new incident. Therefore, one vet bill with two "incidents" means that the deductible is applied for each incident separately, resulting in two deductibles on one vet bill.
$250 Annual $100 Annual
Co-Pay None 10% 30% 20% 10% 10% 20% 20% 10% 20% 20%

sample reimbursements

The following claims are based on three events that happened to the same dog in one policy year/term (e.g. 1-yr-old Labrador Retriever).

Feature VPI ASPCA 24PetWatch Petplan Pets Best PetFirst AKC Embrace Trupanion PurinaCare HealthyPaws
Pancreatitis
Bill Amount $1,075.49
Paid $912.44
(85% Reimbursed)
Paid $822.70
(76% Reimbursed)
Paid $632.49
(59% Reimbursed)
Paid $759.46
(71% Reimbursed)
Paid $822.70
(76% Reimbursed)
Paid $865.64
(80% Reimbursed)
Paid $729.30
(68% Reimbursed)
Paid $788.23
(73% Reimbursed)
Paid $774.74
(72% Reimbursed)
Paid $629.30
(59% Reimbursed)
Paid $618.86
(58% Reimbursed)
Laceration
Bill Amount $415.00
Paid $415.00
(100% Reimbursed)
Paid $373.50
(90% Reimbursed)
Paid $220.50
(53% Reimbursed)
Paid $282.00
(68% Reimbursed)
Paid $373.50
(90% Reimbursed)
Paid $328.50
(79% Reimbursed)
Paid $332.00
(80% Reimbursed)
Paid $332.00
(80% Reimbursed)
Paid $276.75
(67% Reimbursed)
Paid $332.00
(80% Reimbursed)
Paid $286.00
(69% Reimbursed)
Ear Infection
Bill Amount $229.94
Paid $228.63
(99% Reimbursed)
Paid $205.77
(89% Reimbursed)
Paid $90.04
(39% Reimbursed)
Paid $133.95
(58% Reimbursed)
Paid $205.77
(89% Reimbursed)
Paid $161.95
(70% Reimbursed)
Paid $182.90
(80% Reimbursed)
Paid $183.95
(80% Reimbursed)
Paid $116.05
(50% Reimbursed)
Paid $182.90
(80% Reimbursed)
Paid $143.15
(62% Reimbursed)


key plan details

Feature VPI ASPCA 24PetWatch Petplan Pets Best PetFirst AKC Embrace Trupanion PurinaCare HealthyPaws
Use Any Veterinarian, Emergency Clinic, or Specialist Yes Yes Yes Yes, HOWEVER, regardless of chosen co-insurance, an automatic 20% co-pay is charged for visits to an ER hospital or specialist Yes Yes Yes Yes Yes Yes Yes
Accidents and Illnesses
Including hospitalizations and surgeries
Yes Yes Yes, except for dental surgeries
See below
Yes Yes Yes Yes Yes Yes Yes Yes
Chronic and Ongoing Diseases
(example: allergies)
Yes Yes; however, additional limitations apply, including a lifetime maximum and separate $100 annual deductible Yes Yes Yes Yes Yes; however, the following chronic conditions do not qualify for coverage: eye conditions, chronic renal (kidney) failure, diabetes, osteoarthritis, and spondylosis. Yes Yes Yes Yes
Cancer Coverage Yes Yes, but chronic/ongoing limits apply. Yes Yes Yes Yes Yes Yes Yes Yes Yes
Dental Surgeries and Diseases Yes Limited. Only extractions are covered. No coverage for extractions related to most common dental diseases, including periodonal disease No Yes, but annual dental exam req'd for dental treatment coverage Limited. Only extractions and some reconstructions are covered and only if caused by an accident. Yes No Limited. Only treatments resulting from accidental trauma or dental injuries are covered. Limited. Only extractions and reconstructions are covered, and only if all prior dental recommendations were followed and paid out of pocket. Yes Yes
Prescription Medications Yes Yes Yes Yes Yes, if included on their list of covered medications (provided on their website) Yes Yes Yes, included with optional Rx Drug Coverage at additional cost per month (see above under "Coverage and Pricing"). Yes Yes Yes
Wellness Coverage Yes Yes Yes No Yes No Based on Usual and Customary limits Yes No Varies depending on chosen co-pay level No
Wellness Deductible None None None N/A None N/A Same as medical ($125/year) None N/A $250/year with limits on wellness expenses that may be applied toward this deductible N/A
More Features to Compare



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company

Feature VPI ASPCA 24PetWatch Petplan Pets Best PetFirst AKC Embrace Trupanion PurinaCare HealthyPaws
Market Share 60.7% 9.6% 9.4% 4.6% 4.5% 4.3% 3.6% 2.3% 0.5% 0.4% -
Years in Business 31 years
Created the pet insurance industry in the U.S. in 1982
16 years
First policy sold in 1997.
12 years
First policy sold in U.S. in 2001.
7 years
First policy sold in 2006.
8 years
First policy sold in 2005.
8 years
First policy sold in 2005.
10 years
First policy sold in 2003.
7 years
First policy sold in 2006.
5 years
First policy sold in U.S. in 2008.
5 years
First policy sold in 2008.
3 years
First policy sold in 2010.
Underwriter In CA, Veterinary Pet Insurance Company, A.M. Best Rating A (2012) and in all other states National Casualty Company (Nationwide Insurance), A.M. Best Rating A+ (2012) United States Fire Insurance Co.
A.M. Best Rating: A (2011)
Praetorian Insurance Company
A.M. Best Rating: A (2011)
AGCS Marine Insurance Company
A.M. Best Rating: A+ (2011)
Independence American Insurance Company, A.M. Best Rating A- (2011) and Aetna Insurance Company of Connecticut, A.M. Best Rating A (2011) American Alternative Insurance Corporation
A.M. Best Rating: A+ (2011)
Markel Insurance Company
A.M. Best Rating: A (2011)
American Modern Home Insurance Company
A.M. Best Rating: A+ (2012) and RLI Insurance Company, A.M. Best Rating: A+ (2011)
American Pet Insurance Company
A.M. Best Rating: unavailable
Central States Indemnity Company
A.M. Best Rating: A+ (2011)
ACE American Insurance Company
A.M. Best Rating: A+ (2013)
Underwriting History VPI has always underwritten its own plans in California since 1982 and has always had the same underwriter in all other states since expanding nationwide in 1984. Including their current underwriter, ASPCA (Hartville) has had five underwriters since it began selling under Hartville in 2001.

Previous Underwriters:
QBE International Limited, State National Insurance Company, Munich Re, Clarendon National Insurance Company
Including their current underwriter, 24PetWatch has had two underwriters since it began selling in U.S. in 2001.

Previous Underwriter:
Lincoln General Insurance Company
Including their current underwriter, Petplan has had three underwriters since it began selling in 2006.

Previous Underwriters:
American National Property and Casualty Company, North American Elite Insurance Company
Including its current underwriters, Pets Best has had five underwriters since it began selling in 2005.

Previous Underwriters:
North Pointe Insurance Company, American Farmers and Ranchers Insurance Company, General Fire and Casualty Company
Including its current underwriter, PetFirst has had two underwriters since it began selling in 2005.

Previous Underwriter:
State National Insurance Company
Including its current underwriter, AKC has had two underwriters since it began selling in 2003.

Previous Underwriter:
National Specialty Insurance Company
Including its current underwriters, Embrace has had three underwriters since it began selling in 2006.

Previous Underwriters:
Lloyd's of London Syndicates
Trupanion has always had the same underwriter since it began selling in U.S. in 2008. Including its current underwriter, PurinaCare has had two underwriters since it began selling in 2005.

Previous Underwriter:
New Hampshire Insurance Company
Including its current underwriter, Healthy Paws has had two underwriters since it began selling in 2010.

Previous Underwriter:
Markel American Insurance Company







Sample Reimbursements shown are calculated as if they occurred to the same dog during one year/policy term, and based on 1) actual claims received by VPI in 2010 from San Diego, CA and 2) the latest policy terms and conditions available on the pet insurance providers' websites as of February 1, 2013.

Pet insurance marketshare percentages are as listed in Packaged Facts "Pet Insurance in North America, 4th Edition" released in November 2010.

Pet insurance comparison data is provided using all available information as of February 1, 2013 and is only meant to summarize key features. Please review insurers' policy terms and conditions for more details.

The description of ASPCA Pet Health Insurance, 24PetWatch Pet Insurance, Petplan Pet Insurance, Pets Best Insurance, PetFirst Healthcare, AKC Pet Healthcare, Embrace Pet Insurance, Trupanion, PurinaCare Pet Health Insurance and Healthy Paws Pet Insurance policies was not furnished by the Hartville Group (ASPCA), Pethealth Inc. (24PetWatch), Fetch, Inc. (Petplan), Pets Best Insurance Services, PetFirst Healthcare, PetPartners, Inc. (AKC), Embrace Pet Insurance, Trupanion, PurinaCare Insurance Services, Inc., and Healthy Paws Pet Insurance, LLC.

If there are questions regarding the illustration, please contact an agent of the Hartville Group (ASPCA), Pethealth Inc. (24PetWatch), Fetch, Inc. (Petplan), Pets Best Insurance Services, PetFirst Healthcare, PetPartners, Inc. (AKC), Embrace Pet Insurance, Trupanion, PurinaCare Insurance Services, Inc., and Healthy Paws Pet Insurance, LLC.

It is VPI's intent to provide consumers with fair and accurate information regarding pet insurers. Despite all efforts to keep information up-to-date, we realize that the comparison data provided will change from time to time. As such, if you are aware of any discrepancies or inconsistencies in the data provided, we encourage you to let us know by emailing comparison@petinsurance.com.





Insurance plans are offered and administered by Veterinary Pet Insurance Company in California and DVM Insurance Agency in all other states. Underwritten by Veterinary Pet Insurance Company (CA), Brea, CA, an A.M. Best A rated company (2012); National Casualty Company (all other states), Madison, WI, an A.M. Best A+ rated company (2012). ©2014 Veterinary Pet Insurance Company. Veterinary Pet Insurance, VPI and the VPI logo are service marks of Veterinary Pet Insurance Company. Nationwide, the Nationwide N and Eagle, and Nationwide Is On Your Side are service marks of Nationwide Mutual Insurance Company.