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VPI Injury Plan for Dogs

Senior Pet Protection


  • Illness Benefits: None
  • Injury Benefits: Good
  • Routine Care Benefits: None

The "what-ifs" of pet ownership can weigh heavily on your mind. The VPI Injury Plan is ideal for senior pets, offering coverage for accidental injuries including broken bones and poisonings. The VPI Injury Plan does not cover medical conditions such as arthritis, heart disease or cancer. The Injury Plan is also no longer available online for pets 9 years old or younger. For more information, please call 1-888-899-4VPI.

The VPI Injury Plan provides reimbursement for veterinary expenses based on a benefit schedule, not a percentage of the veterinary bill. With a benefit schedule, you know up front what conditions and procedures are eligible for coverage, as well as the amount available for reimbursement. All benefits renew in full annually, so you know that your dog is protected year after year.

Plan Features

  • No medical review required
  • No annual premium increases
  • Cruciate ligament surgery is covered after the first year of coverage
  • Annual deductible of $250
  • Maximum policy term benefit is $14,000

Quick Coverage

VPI Injury Plan coverage begins 24 hours after your policy has been issued, so you can rest easy knowing that your pet is protected.

A Real Life Example Lacerations with Soft Tissue Trauma

Kona’s Lacerations with Soft Tissue Trauma

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Kona’s Adjusted Claim

Diagnosis & Procedures Fees* Less Deductible Eligible Amount Benefit Allowance**
Lacerations, multiple (primary) $646 −$250 $396 $445
Soft tissue trauma (secondary) $69 $0 $69 $125

Total reimbursement: $465

Kona, a chocolate Labrador retriever from California, suffered multiple lacerations and soft tissue trauma when another dog bit him on the nose. This is how his veterinary claim would be adjusted under the VPI Injury Plan.

Add CareGuard® Routine Care Coverage

Increase the benefits for your dog’s insurance plan by adding optional CareGuard® routine care coverage. Choose from two levels of protection: CareGuard Premier and CareGuard Core.

Injury + CareGuard Premier

Routine Care Benefits: Best

  • Accidents
  • Lab Tests
  • Surgeries
  • Prescriptions
  • Hospitalization
  • Vaccinations
  • Heartworm
  • Flea Control
  • Urinalysis
  • Dental or Spay/Neuter

Injury + CareGuard Core

Routine Care Benefits: Good

  • Accidents
  • Lab Tests
  • Surgeries
  • Prescriptions
  • Hospitalization
  • Vaccinations
  • Heartworm
  • Flea Control

Does not apply to policies paid for through employer payroll deduction.

*Veterinary fees vary state to state, per your veterinarian’s discretion.

**The benefit allowance amount replenishes with each annual policy renewal.

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Buyer's Guide

2010 Pet Insurance Buyer’s Guide

Get answers to the most important questions you should consider.