Haris Ashley
VPI Pet Insurance, now known as Nationwide, is one of the oldest pet insurance companies in the industry. It offers comprehensive coverage and reimburses 50-90% of veterinary bills when a pet gets sick or injured unexpectedly. To file a claim, you can submit a completed claim form along with relevant medical records and an itemized invoice through your online account, or via email, mail, or fax.
| Characteristics | Values |
|---|---|
| Company Name | VPI Pet Insurance (formerly) / Nationwide |
| Contact Number | 1-800-872-7387 |
| Submission Methods | Online, Email, Mail, Fax |
| Submission Requirements | Completed claim form, itemized invoice, medical records, other documentation |
| Submission Timeframe | Within 365 days of treatment (90 days recommended) |
| Reimbursement Rate | 50-90% of vet bill |
| Reimbursement Time | 4 days on average |
| Medical History Review | Required for first claim |
| Medical History Timeframe | 12 months before coverage start date |
| Medical History Format | Chart notes, discharge summary, lab test results, X-rays |
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What You'll Learn
VPI Pet Insurance is now Nationwide Pet Insurance
Nationwide Pet Insurance reimburses you for eligible veterinary expenses. Its plans cover more than any other provider, including specialists and emergency providers. You can use any vet, anywhere, and there are no network restrictions.
Nationwide Pet Insurance offers industry-leading pet health insurance for dogs, cats, birds, and exotic pets. Current Nationwide members receive a 5% discount on a new pet health insurance policy.
To submit a claim, you can visit my.petinsurance.com, or send your completed claim form and paid invoice(s) by email, mail, or fax. You can also track your claim by logging into your account. Please allow up to 30 days for your claim to be processed, although some claims may take longer, depending on their complexity.
Supporting documents from the attending veterinarian(s) must be provided to review your claim. Documentation may include handwritten or computer-generated medical records, along with any supporting laboratory results.
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Submit claims via website, app, mail, email or fax
VPI Pet Insurance, now known as Nationwide Pet Insurance, offers a few different ways to submit a claim. You can submit a claim via the website, app, mail, email, or fax.
To submit a claim online, visit my.petinsurance.com. You will need to sign up for an account and log in to submit your claim. You can also track your claim on the website.
To submit a claim via email, mail, or fax, you will need to download and complete a claim form and include a paid invoice. You can download the form from the website. Make sure to include your mailing address and bank account information so that you can receive your reimbursement.
Keep in mind that VPI requires a medical history review, and you may need to submit additional documentation such as medical records, lab test results, or X-rays. The review process can take up to 15 business days.
VPI Pet Insurance reimburses 50% to 90% of your vet bill, depending on your selected coverage. Most claims are reimbursed within 4 days, but it can take up to 30 days or longer, depending on the complexity of the claim.
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Include itemised invoice, medical records and other documentation
When submitting a claim to VPI Pet Insurance, it's important to include all the necessary documentation to ensure a smooth and efficient process. Here are the key points to remember regarding itemised invoices, medical records, and other relevant information:
Itemised Invoice
An itemised invoice is a detailed list of the services provided and the associated costs. It is essential to submit this invoice when filing a claim. Make sure the invoice includes all relevant information, such as the date of treatment, the services rendered, and the corresponding charges. Keep in mind that VPI Pet Insurance requires you to pay for the veterinary services upfront, so you will need to submit proof of payment along with your itemised invoice.
Medical Records
Medical records are crucial for providing context and supporting the information on your claim form. These records should include details of your pet's medical history, including any relevant diagnoses, treatments, and laboratory results. If your pet has an ongoing medical condition or has received prior treatment, be sure to include those records as well. In some cases, VPI may request additional medical information or a physical examination to process certain types of claims fully.
Other Documentation
Depending on the nature of your claim, you may need to submit additional documentation. For example, if your pet has recently recovered from an illness, you may need to provide records of their treatment and recovery. If your pet has undergone any specialised procedures or received referral treatments, include those details as well. Remember to review the specific requirements of VPI Pet Insurance, as they may have particular forms or supporting documents that need to be included with your claim.
It is always advisable to review the requirements of your pet insurance provider before submitting a claim. In some cases, you may be able to submit your claim online, through a dedicated portal or app, which can streamline the process and reduce potential delays. Keeping accurate and comprehensive records will help ensure that your claim is processed efficiently and that you receive the appropriate reimbursement for your veterinary expenses.
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Claims take 10-30 days to process
VPI Pet Insurance, now known as Nationwide Pet Insurance, offers comprehensive coverage and reimburses 50 to 90% of veterinary bills when a pet gets sick or injured unexpectedly. The company generally has good customer reviews, and customers have given its customer service mostly positive reviews on TrustPilot, praising its representatives for being empathetic, knowledgeable, and helpful.
However, some customers have complained about long wait times for responses from Nationwide, with some having to make multiple phone calls to resolve claims. While VPI does not specify a claims processing time, it does offer a 30-day free look period during which customers can terminate their policy at no charge if they have not received a claim payout.
The claims process typically involves the following steps:
- Visit any licensed vet, specialist, or emergency hospital.
- Pay for the veterinary services upfront at the time of your appointment.
- File a pet insurance claim with VPI through your online account or via email, mail, or fax.
- Wait for the claim to be processed and reviewed, which can take up to 30 days or longer, depending on the complexity of the claim.
- Receive reimbursement for a percentage of eligible veterinary expenses based on your selected coverage.
It is important to note that VPI requires a medical history review and may request additional supporting documents, such as medical records and laboratory results, which can impact the overall processing time for claims.
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VPI offers a wellness plan
VPI Pet Insurance, now known as Nationwide Pet Insurance, offers a wellness plan that can be added to its Accident and Illness coverage or purchased separately. The wellness plan covers routine services such as wellness exams, routine tests, vaccinations, deworming, and dental cleaning and spaying/neutering.
VPI recommends adding routine care for pets under the age of two due to the high number of wellness visits at this age. Older pets may not save money with a routine care add-on. The wellness plan is not available in every state.
VPI offers customizable plans with no maximum payout per incident, year, or over the lifetime of the policy. The Medical Plan offers an annual maximum payout of $7,000, while the Major Medical Plan offers a maximum of $14,000. The Feline Select Plan for cats offers an annual maximum of $9,000.
VPI also offers a money-back guarantee, also known as a 30-day free look period, during which you can terminate your policy at no charge if you have not received a payout for a claim. This is only applicable during the first term of the policy, within 30 days of its effective date.
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Frequently asked questions
Veterinary Pet Insurance (VPI) was the first company to offer pet insurance in the U.S. in 1980. It was acquired by Nationwide in 2009 and the VPI brand was retired in 2015.
You can submit a completed claim form to VPI Pet Insurance (now Nationwide) via its website, app, mail, email, or fax, along with a copy of the itemized invoice, relevant medical records, and any other required documentation.
The average processing time for a claim is 10 to 15 days, though some insurers can take up to 30 days.
VPI Pet Insurance reimburses 50 to 90% of your vet bill when a pet gets sick or injured unexpectedly, once your deductible is met.
There is a mandatory waiting period before your coverage becomes effective, and you become eligible to claim reimbursement. For orthopedic conditions, the waiting period is 365 days.
