INU Posted May 12, 2009 Report Share Posted May 12, 2009 Anyone has any experience with VPI insurance on major treatments? I've had it on both of my dogs for years, never used it because I wanted to save it for bigger treatments. I submitted a claim for Jazzy's surgery and out of $4600, they reimbursed only $300. On the benefit schedules, it says the allowance for CCL surgery is $1200+. I've heard insurance companies would try to screw with you but didn't think this bad. I called them but they are having a 'meeting' and that I can only leave a message. I was wondering if it's a norm and that unless you argue with them, you would only get the smallest money back. I've read something like that about other pet insurance companies but more people recommended VPI. Here's what it says on the benefit plan for CCL surgery: Cruciate Rupture-Surgical Primary Diagnosis Allowance $1207 Primary Diagnostic Testing Allowance $152 Primary Anesthesia Allowance $125 Secondary Diagnostic Allowance $845 The only things they reimbursed were $189 for TPLO plate $126 for testing Quote Link to comment Share on other sites More sharing options...
INU Posted May 12, 2009 Author Report Share Posted May 12, 2009 Tried to delete this thread but I was unable to. I finally got through to them. Turned out it was some mixup -- or 'mixup on purpose' I don't know. Anyway, they are going to review the claim again. Hopefully I get something back. Quote Link to comment Share on other sites More sharing options...
Smokjbc Posted May 12, 2009 Report Share Posted May 12, 2009 Tried to delete this thread but I was unable to.I finally got through to them. Turned out it was some mixup -- or 'mixup on purpose' I don't know. Anyway, they are going to review the claim again. Hopefully I get something back. I almost posted- usually the problem is that people don't read the benefits correctly but that is really low pay back. I've worked with VPI at our practice- it never pays as much as people expect, but they are good about sticking to the benefit schedule (just very few people read it when they sign up!). Hopefully they will correct the mistake. Quote Link to comment Share on other sites More sharing options...
MaggieDog Posted May 12, 2009 Report Share Posted May 12, 2009 And this is why I went with PetPlan - no limits per event, just per year. No actual use yet, but the fine print looked ok. Hope it all gets straightened out soon! Quote Link to comment Share on other sites More sharing options...
Tiga's_mom Posted May 13, 2009 Report Share Posted May 13, 2009 We've had really great experiences with ours. We have Petcare and it's paid for itself many times. We've always gotten our money back, it's always the amount that I expect and always very quickly. I hope they figure it all out for you. Quote Link to comment Share on other sites More sharing options...
INU Posted May 14, 2009 Author Report Share Posted May 14, 2009 A quick update...to be fair with VPI. They re-processed my claim and they are giving me $1550 for her surgery. Jazzy has been with VPI for 5 years and her monthly premium is $25 so it had costed me $1500. I'd say that was a big help in addition to giving me a peace of mind. Quote Link to comment Share on other sites More sharing options...
sweet_ceana Posted May 14, 2009 Report Share Posted May 14, 2009 We have petcare as well and they have always paid what we expected in a timely fashion. Quote Link to comment Share on other sites More sharing options...
pansmom Posted May 15, 2009 Report Share Posted May 15, 2009 A quick update...to be fair with VPI.They re-processed my claim and they are giving me $1550 for her surgery. Jazzy has been with VPI for 5 years and her monthly premium is $25 so it had costed me $1500. I'd say that was a big help in addition to giving me a peace of mind. Glad to hear it! I was going to say, before I read the rest of the thread, that I have found "mixups" to be the norm with ALL REIMBURSEMENT-BASED insurance companies, be it home, health, pet, WHATEVER. If they can delay a claim by "misplacing" it, "misprocessing" it, or whatever, they will do so. Interesting to know about PetCare... I will keep that in mind... But I bet that fine print says something about not covering behaviorist bills for dogs with a pre-existing condition of fear aggression! Quote Link to comment Share on other sites More sharing options...
Bordermix Posted May 15, 2009 Report Share Posted May 15, 2009 We have petfirst healthcare and have been very happy! With three dogs that are always getting into trouble, I submit claims regularly and have never been turned down:) Quote Link to comment Share on other sites More sharing options...
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