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VPI Medical Plan for Dogs

Economical Coverage


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

The VPI Medical Plan offers economical coverage with a moderate level of reimbursement. You’ll receive reimbursement for accidental injuries, emergencies and illnesses, including cancer.

The VPI 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

  • Similar coverage to the VPI Major Medical Plan, but with more moderate benefit amounts and lower premiums
  • 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 $7,000

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 Benign Skin Neoplasia Removal

Rufus’s Benign Skin Neoplasia Removal

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Rufus’ Adjusted Claim

Diagnosis & Procedures Fees* Less Deductible Eligible Amount Benefit Allowance**
Benign Skin Neoplasia—Medical $184 −$100 $84 $225
Benign Skin Neoplasia—Surgical $320 $0 $320 $480

Total reimbursement: $404

Rufus, a Boston terrier from California, had a benign tumor removed from his neck. This is how his veterinary claim would be adjusted under the VPI 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.

Medical + CareGuard Premier

Routine Care Benefits: Best

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

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.