I have VPI for 1 out of 4 cats & 2 rabbits. I’ve been very happy w/ it. I got it b/c as my cats have gotten older, they have had some major health probs (diabetes, hyperthyroidism, allergies). Unfortunately, 3 of my cats were too old to be covered.
Everyone is correct about the “speuters”. I love that term Wendz & plan to use it often
I did have 2 pre-existing conditions put on my plan:
Jess had gotten attacked by a bunny & required stitches & tx the wole 9 yards.
Leo has a dental issue.
However, both were lifted once I demonstrated that they didn’t have issues for 6 months. I only go in for yearly exam and if problems arise (I guess that’s when most go to the vet). So far for the past year, I have not had any health issues—-knocks on wood! However, I know if Leo needs another major dental I will be happy to have the insurance.
Actually I complete the form myself, the diagnoses is on my bill. I then fax the invoice w/ the claim form. My cat had major procedures done for IBS & early kidney disease. I spent about $1000 out of pocket and got about $400 back right away and we are still processing another portion of the claim. I had to demonstrate that his condition was not pre-existing for 1 yr prior to tx. My opinion is its been well worth the cost. W/ a 5yr old that has never had medical care, you may find many things pop up. Good Luck!