My sweet pup Sunny was attacked recently by another dog, and was hurt badly. I had to bring Sunny to the vet for emergency treatment. This included stopping the bleeding from his neck, surgically put in a drain, stabalizing him, two follow up visits, and take home medication (antibiotics and anti inflamation.
I have VPI pet insurance, and have had a policy for Sunny for several years now. This was the first time I had to put in a large claim for reimbursement for Sunny ever.
Well today I find out VPI is only paying me back for half of the vet bill ($650). I have to cover the other half myself. Apparently in the insurance fine print VPI only covers $480 for puncture wounds per year. I hope I have no more pucnture wounds for the rest of the year, wow!
I feel so betrayed by VPI. I cant even begin to tell you how it feels to think you have good insurance for your dog and to find out its all a lie. Thank God this was not something even worse like Cancer, for which VPI also has a yearly limit, as with all health issues. Now I understand this is generally how there policies are, they say no limits broadly in the advertising and then they limit each individual case/treatment per year. This is a very deceptive practice and as I understand it not all companies do this.
You can see the image yourself of my claim above as proof.
Anyhow, I am moving on to another insurance company now, and I hope you take my advise and stay away from VPI as well. I dont have a horse in this race other than to tell the world about how this was handled so others can avoid this.
By the way Sunny is recovering nicely, and I dont regret paying the money, I would pay it all over again, many times to save him. Even without insurance. :)