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Pet Insurance Companies

VPI Dog Insurance

P.O. Box 2488

Brea, CA 92822-2344

Phone: (888) 899-4VPI


Accident only plan starts at $12/month and goes up to $37/month for their Major Medical Plan. They also have CareGuard wellness that covers routine care for as little as $12/month.


The Accident only plan covers just injuries and not medical conditions.
The Major Medical plan covers over 50 conidtions like:

  • allergies
  • infections
  • tooth removal
  • kennel cough
  • skin cancer
  • muscle sprains
  • arthritis
  • insect bites/stings
  • bladder infection
  • eye infection
  • but or bite wounds
  • diabetes
  • and many more…

Not Covered:

  • pre-exsisting conditions any illness or injury your dog had prior to signing up if you pet’s condition has been cured for at least 6 months you may be able to get it covered
  • cruciate ligament injuries within first 12 months of coverage
  • congenital disorders or developmental defects
  • hereditary disorders

What dogs are eligible for coverage:

Didn’t find anything on their site that mention how old your dog needs to be inorder to have their insurance. They do state that your pet has to be enrolled before age 10 to start coverage.


VPI dog insurance a good selection of plans from routine care all the way to their Major Medical plan that covers over 50 different maladies. Another good thing about VPI is that they let you chose the Vet. Unlike some HMO type dog insurance companies you can chose the best vet for your needs. If you live in California VPI is their own underwriter outside of California they use National Casualty Company out of Madison, WI. VPI has a A+ rating in Better Business Bureau but they have had 97 complaints in the last 3 years with 67 coming from problems with product/service. Please keep in mind that this might look like a lot of complaints but it does dependin on the volume of overall business. The good thing is that all the complaints have been closed and the folks at VPI addressed the complaints from their customers.

* For a complete description of all coverage terms, conditions, and limitations, please refer to their website.