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VPI Major Medical Plan for Dogs

Comprehensive Coverage


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

The VPI Major Medical Plan is our most comprehensive protection for dogs. You’ll receive the highest reimbursement for accidental injuries, emergencies and illnesses, including cancer.

The VPI Major Medical 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

  • Double the amount of available benefits as compared to the VPI Medical Plan
  • Additional hereditary coverage available after you’ve had the policy for a year— $250 annually toward diagnosis or medical treatment and $500 annually for surgical treatment
  • Covers hundreds of accidents, illnesses and diseases, including chronic diseases and cancer, for all purebred and mixed breed dogs
  • Benefits renew annually
  • Maximum policy term benefit is $14,000

Flexible Pricing

Our flexible pricing lets you customize your coverage. Choose a deductible to fit your budget:

  • $100
  • $250
  • $500
  • $1,000 (available only through VPI phone sales center)

A Real Life Example Fractured Leg

Coco had broken his leg.

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Coco’s Adjusted Claim

Diagnosis & Procedures Fees* Less Deductible Eligible Amount Benefit Allowance**
Exam and treatment fees $1,994 -$100 $1,894 $2,250

Total reimbursement: $1,894

Coco, a Chihuahua from California, fractured her leg while playing outside and required surgery to repair the bone. This is how her veterinary claim would be adjusted under the VPI Major Medical Plan with a $100 deductible.

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.

Major Medical + CareGuard Premier

Routine Care Benefits: Best

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

Major Medical + CareGuard Core

Routine Care Benefits: Good

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

*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.