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How to Get the Most Out of Your Policy

As with most insurance, pet insurance is a form of risk management. VPI Pet Insurance is meant to offer financial peace of mind when it comes to uncertain, sometimes expensive, veterinary treatment. Essentially, your premium pays for the peace of mind that we will be there to help you when your pet gets sick or injured.

Most people purchase pet insurance hoping they won’t have to use it.

When the medical portion of your insurance is used, that means your pet has undergone medical treatment. Just like your auto insurance; you have it in case something happens, but you hope you never have to use it.

VPI Pet Insurance is not the same as having a savings account, it’s better!

If you started a savings account for your pet today, you’d have to hope that your pet didn’t get sick or injured until you have enough money in the account to cover the veterinary fees. With a VPI Pet Insurance policy, you have all the benefits, as outlined in your policy, as soon as your policy goes into effect. So, if your pet gets into an accident the day your policy goes into effect, your pet is eligible for coverage.

Get the most out of your VPI Pet Insurance Policy.

Here are some great tips to get the most out of your VPI Pet Insurance policy:

  1. Complete your claim form and submit all supporting documentation

    Keeping these things in mind when you file a claim can help get your claim reviewed as quickly and accurately as possible.

    claim form
    • Have your veterinarian help you fill in the diagnosis on Section 2 of your claim form

      When filling out your claim form, be sure you list the medical condition that your pet was diagnosed with rather than the symptoms your pet was experiencing.

      Claims are reimbursed according to the medical condition that your pet was treated for. For example, instead of listing symptoms like itching, limping, and coughing, you should list the condition your pet was treated for like allergies, sprain, or pneumonia.

    • Submit your pet’s medical records with your first claim

      Medical records provide us with a complete medical history for your pet, which allows us to better evaluate the conditions your pet was seen for in order to process your claim accurately.

    • Include all itemized and legible receipts/invoices

      Policyholders are reimbursed for expenses paid for eligible treatment. Submitting your itemized invoice allows us to accurately determine what expenses were paid for treatment. For example, instead of submitting an invoice that says “Puppy Package $30”, submit the name of each treatment included in the “Puppy Package” and the invoice amount.

      Be sure to submit itemized receipts/invoices and not Patient History Reports or Estimates.

    • Include your pet’s name and policy number on all pages submitted

      If you are going to be submitting multiple pages with your claim, please be sure to include your pet’s name and policy number on each page. This helps assure proper filing.

    • Use only one claim form per pet

      If you have multiple pets insured with us and you take them to the veterinarian on the same day, be sure to submit separate claims for each pet. Remember, each pet has their own policy with their own set of benefits.

      If your veterinarian’s office included both pets’ treatments on one invoice, ask them for duplicate invoices. That way you can submit one claim form and one invoice for each of your insured pets.

  2. File your Well Care claims

    You paid for your Pet Well Care Protection rider because you know the importance of routine checkups. The Pet WellCare Protection rider has allowances for things such as flea control and heartworm preventive medication. If you don’t file a claim for these treatments, you miss out on the benefits.

  3. Submit treatment records with each claim

    Our experienced claims adjusters process claims using the information that was submitted. To give us the most comprehensive understanding of what your pet was treated for, submit the treatment records for the date of your pet’s visit along with the claim form and itemized invoice. When you leave the veterinarian’s office, just ask them for a copy of the treatment records. Treatment records are a form of medical records that are specific to a particular date or condition.

  4. Enroll multiple pets

    We offer a Multiple Pet Discount for policyholders enrolling two or more pets*. A 5% discount applies when you enroll two or three pets, and a 10% discount applies when four or more pets are enrolled.

    If you enrolled your pets online, the Multiple Pet discount may not have appeared. Please contact us if you have any questions regarding your Multiple Pet discount. *The discount applies to the base medical plan only. All pets must live within the same household.

  5. Put the VPI Lost and Found pet tag on your pet

    Every year we reunite hundreds of pets with their owners due to our Lost and Found registry. The VPI Lost and Found Registry pet tag has a toll-free phone number on it that can be used by anyone who finds your pet. The person who finds your pet can contact us and we can reunite you with your pet. The best part is whomever finds your pet will know your pet is VPI-insured, so they can confidently seek veterinary help should your pet be sick or injured.

  6. Update your payment and contact information

    Please be sure we have your most current contact information on file. This way, we can always contact you regarding important policy information.

    Having a current payment method on file assures that your VPI Pet Insurance policy will never lapse due to non-payment of premium. If you are paying for your policy through automatic monthly withdrawals, make sure that we have the most current card on file. If your expiration date gets updated and you do not make us aware, there is a possibility your monthly payment will be declined.