Company & Specialty Insurance Forum

Each of your pets is special and unique. Each pet has specific needs just like human beings do. As they grow old they will need special care and that is costly. So, you must know that pet care is offered in 2 categories and pet owners can choose from 2 major pet insurance types.

• Superior VPI Plan
• Standard VPI Plan

Both the superior and the standard plans make provision for you to get your pet treated by any veterinary doctor and in any part of the world too.

VPI Superior Insurance Plan

This plan covers costs for your pet's

• Annual check ups
• Vets visits
• Tests from diagnostics centers
• Laboratory tests
• Medication through prescriptions
• X-rays

These are only a few of the things covered. Pet insurance is meant to cover any cost for treatment for your pet. It may not include regular visits to the vet for check up.

How does the VPI Superior Insurance Plan work?

The benefit schedule that VPI uses is filed with the Department of Insurance (DOI). This helps you keep a track of the amount of reimbursement that is available for your pet's treatments. You may visit a licensed veterinary doctor, get your pet treated, pay for the treatment and put the claim on the insurance company. You may avail benefits from VPI Superior Insurance anywhere in the world. The additional coverage may allow you more scope to treat your pets:

• You may add Pet WellCare Protection to your pet's insurance policy. It allows you to receive instant routine care benefits.
  
  
• VPI Superior Plans also provide enhanced cancer coverage for your pet. Conditions like skin cancer, breast cancer, leukemia and bone cancer are also covered. There is also a cancer rider that you may opt for. This increases the reimbursable benefits of the policy.

VPI Standard Insurance Plan

This plan covers the basic costs for pet (dogs and cats) care. Even though you are supposed to pay a larger sum of money for every time that you can make a claim on your pet insurance, the monthly expenditure is a little less than the superior plan. Like the VPI Superior Plan, the VPI Standard Plan also has provisions for adding Pet WellCare Protection and Enhanced Cancer Coverage and provides the same benefits.

Pet owners may opt for either of the 2 plans depending on the kind of need they and their pets have. It is undoubtedly very painful to see your pet in ill health. So, opting for pet insurance would be a sensible thing to do.