I have had positive experience with VPI .. I have it on both my boys and when each had incidents 1.5 years ago, I was very happy with my VPI insurance. BEFORE I filed the claim I gave VPI customer service a call and asked what I needed to make sure and have. The main thing was a diagnosis. Without a diagnosis they cannot cover much. So I went back to the vet and let her know what I needed .. in the one case it was flysnap seizures .. she thought it over and came back with psycho motor seizures. I submitted claims and receipts for all the specialists we went to after to rule out anything else .. and everything was covered.
Same with my other boys issue .. but his was more cut and dry - his stick eating incident - resulted in a Retrobulbar Abscess. .. everything was covered, even the Canine Eye Specialist seen to make sure we didn't have any residual damage to the eye or third eyelid. I have the Standard care rider .. so I get coverage yearly for the normal blood work, heart worm test, office visits and the 'required' vaccinations. So as my boys sleep beside me on my day off, I and very thankful that if another 'event' takes place I do not have to worry about how I am going to afford it. As with many insurances VPI does not cover known congenital issues with the breed as listed by some standard Vet resource texts of known congenital issues for each breed. But for everything else that might happen, in my opinion .. pet insurance it's well worth it. VPI will eventually add a rider for congenital / hereditary issues .. but its not available in my state yet. .. once it is we will be adding that rider to our policies. Teresa, Patriot and Romeo Albuquerque, NM ----- Original Message ----- From: "A. Sufi" <[EMAIL PROTECTED]> To: <[EMAIL PROTECTED]> Sent: Thursday, June 19, 2003 9:23 PM Subject: Re: Pet Insurance ARGH!!!!! How true!! I am having SUCH an ongoing headache with Veterinary Pet Insurance! We bought a policy for Zeus when he was 7 weeks old (he will be 2 this month), and have only just recently had cause to file a claim. On November 1, Zeus cut his paw wide open while running and required many stitches, x-rays (etc.) and extensive follow-up. My vet faxed the requested paperwork to VPI and they said they didn't receive it.....my vet faxed it again.....VPI said they didn't receive it....we mailed it certified AND faxed it....VPI finally received it. By now was months later, and now, just TWO DAYS AGO I've received a check for $72.60 reimbursement for a total $829.85 Vet bill!! ARGH!!!! Obviously I will be fighting that one. Now he just tore his knee cap out, and I just can't wait to see what they will have to say about THAT...... Antoinette & Zeus San Ramon, Ca. > As Shakespeare would say, "Ah, there's the rub!" > What is a "good" one? If your dog has serious problems that the company > can > claim is "genetic" or "congenital" (in their mind they are the same, even > though we and the vets know they are not!) the treatment will not be > covered, no > matter how long you have been a client or how much you paid for the policy > or > how many independent veterinary specialists challenge the denial of > coverage. > That eliminates all surgery or treatment due to arthritis, dysplasias and > spondylosis. They consider all of those to have a "genetic or congenital" > origin. > It does appear from previous emails to the list that our Canadian members > have a much better selection of companies or coverage than we do in the > States. > > Anne Copeland (Flash CGC, TDI, 8 11/12 yrs. old Berner; Gypsy CGC, TDI, 2 > yr. > old Cavalier) > Northern Illinois Annes4, Corr. Sec. BMDCA > "If one will begin with certainties, one will end in doubts; however if one were content to begin with doubts, one will end in certainties." Sir Francis Bacon
