You pay your veterinarian directly. We adjust your claim and provide reimbursement to you.

There is a 14-day waiting period after your policy is approved.

You have the freedom to choose any licensed veterinarian worldwide that you are most comfortable with and trust.

Yes, you can cancel at any time by notifying VPI in writing. If you are not satisfied with your policy, VPI provides a money-back guarantee if we receive your written cancellation request within 10 days of your initial policy effective date.

Our low $50 deductible applies to each different accident or illness per policy term. You may submit multiple claims for the same accident or illness (for example, your pet has an ear infection and requires follow-up visits) but only one deductible applies because it is related to the same incident.

A pre-existing condition is an injury or illness that was contracted, manifested or incurred on or before the effective date of your pet’s policy. For example, if at enrollment an applicant states, “I would like to enroll my four-year-old cat. He has a history of feline lower urinary tract disease. ” The cat would be enrolled but the urinary tract disease would be pre-existing and therefore not covered under his policy.

Yes. FDA prescriptions for covered medical conditions are eligible for coverage.

No. We want to help pets live a long and happy life.

Yes, when the medical condition is covered by the policy.

For your convenience, you may use a credit card, debit card or pay by check. We also offer monthly and annual payment options.

That can happen, especially with pet adoptions. Get a physical exam from your veterinarian that includes an age estimate.

Yes. We do offer benefits for ACL. The policy has to be in force for a minimum of 12 consecutive months before diagnosis.

Not ordinarily. VPI's goal is to ensure that all policyholders receive the full benefits available under their policy plan. Somtimes we request medical records to clarify information.

It's easy to file a claim.

1. Take a copy of your personalized claim form to your next veterinarian visit
2. Have your veterinarian provide your pet's diagnosis.
3. Complete the claim form and submit it along with all supporting receipts and invoices.
4. Make copies of the completed claim form and itemized veterinary bill for your records.

Click here to download a blank claim form.

Completed clain forms can be submitted one of two ways:

1. FAX completed claim form, itemized receipt(s) or invoice(s) to 714-989-5600, or
2. MAIL completed claim form with itemized receipts or invoices to VPI Claims Department, P.O. Box 2344, Brea, Calif., 92822-2344

If additional information is required to review a claim, VPI will send you a letter listing the medical record dates, laboratory reports or any specific medical history needed. As your pet's owner, you have the authority to request this information from your veterinarian.