frequently asked questions.

Can I still use my vet?

Absolutely. You're free to visit any licensed veterinarian, anywhere in the world—even specialists and emergency providers.

What do the plans cover?

Our plans provide nose-to-tail coverage for a wide range of accidents, injuries and illnesses. You can even add routine care coverage to any plan.

Added bonus: we cover new chronic and recurring conditions at no additional cost!

For more detailed information, please see our what’s covered page.

What's not covered?

Unfortunately, there are some things we can't cover. These include elective procedures, congenital conditions, pet foods, grooming, behavioral problems and pre-existing conditions.

Worried about hereditary conditions? We cover them, but only through the VPI Major Medical Plan.

See what we do cover.

Does VPI work like an HMO?

Nope. We leave all medical decisions solely up to you and your veterinarian, so you're free to choose whatever treatment you feel is best for your pet. Plus, you can visit any licensed veterinarian worldwide—even specialists and emergency providers.

Simply pay your veterinarian at the time of service, and submit the invoice for reimbursement. There are no pre-authorizations or hoops to jump through.

How does the VPI benefit schedule work?

Each plan has a benefit schedule that shows exactly what's covered, with no guesswork involved. When you submit a claim, we reimburse you according to your plan's benefit allowance once you've met your deductible. It's as easy as that.

Here's the best part: All benefit allowances renew in full each year—no matter how many claims you've filed!

Will you drop a pet from coverage because of age?

Never. As long as your pet is enrolled before age 10 and you keep your policy continually in force (translation: don't let it lapse or expire), we promise not to drop your pet. After all, we're pet lovers, too!

Will my premium increase when I file a claim?

No. We don't think it's fair to penalize you if your pet gets sick or hurt. So go ahead and get your pet the care that he needs, as often as he needs it—it won't affect your premium.

Once I enroll, how long before my policy is effective?

Most policies have a 14-day waiting period once your application is approved and we receive payment.

VPI Injury Plan coverage begins 24 hours after your policy has been issued and we've received payment.

If you're bundling a Pet Wellness Plan with a medical plan, the 14-day waiting period applies to both.

If you're enrolling in a Pet Wellness Plan on its own (meaning not bundled with a medical plan), coverage begins 24 hours after your policy has been issued and we've received payment.

If you're enrolling as part of a group or organization, effective dates vary.

How do I file a claim?

Filing a claim takes just three easy steps:

  1. Pay for your pet's treatment at the time of service.
  2. Fax, mail or e-mail your claim form along with your invoices.
  3. Receive reimbursement. Claims are reimbursed according to your plan's benefit schedule once you've met your deductible.

That's it!

Can I cancel my policy before the term is up?

Absolutely. Just let us know in writing, and we'll cancel your policy at any time.

We even have a full money-back guarantee. If you cancel within 10 days* of when your policy went into effect and we haven't reimbursed you for any claims in that time, you'll get a full 100% refund.

If you decide to cancel later on, no problem—we'll simply refund your unused premium.

*Terms may vary by state.

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 (2013); National Casualty Company (all other states), Madison, WI, an A.M. Best A+ rated company (2014). Veterinary Pet Insurance, VPI and the cat/dog 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. ©2014 Veterinary Pet Insurance Company and Nationwide.