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Health insurance for your pet

Mar./Apr. 2011 California Country magazine



A new Nationwide Insurance benefit, VPI Pet Insurance, has been added for Farm Bureau members in California. Members receive a 5 percent group discount on VPI through the Farm Bureau's website at www.cfbf.com.

VPI, a Nationwide Insurance company, is the No. 1 veterinarian-recommended pet insurance company. In fact, nine out of 10 veterinarians recommend VPI Pet Insurance as their preferred pet health insurance provider, according to a study conducted by ACI Research.*

VPI was founded in 1980 to help end "economic euthanasia" of pets and is committed to making the miracles of veterinary medicine affordable for all pet owners. Veterinary Pet Insurance policies provide both protection for a pet and peace of mind for a pet owner.

Veterinary Pet Insurance receives more than 1 million claims annually for treatment of cats and dogs. These claims reveal that just like people, many dogs and cats receive treatment for non-emergency as well as emergency and ongoing disorders. VPI insures birds and exotic pets, too.

With VPI Pet Insurance, you'll never have to ask, "Can I afford to follow my veterinarian's recommendation?" because you can build your own health coverage plan for your pets and your budget.

Choose from two levels of base medical plans that cover accidental injuries, emergencies and illnesses, including cancer, and two levels of routine care coverage for wellness exams, vaccinations and teeth cleaning to stay healthy:

  • VPI Superior Plan provides comprehensive health protection. Maximum policy term benefit is $14,000.
  • VPI Standard Plan offers a moderate level of reimbursement. Maximum policy term benefit is $9,000.

How does VPI work?

Reimbursement for veterinary expenses is based on a benefit schedule, not a percentage of the veterinary bill. All benefits renew annually, so your pet is protected year after year.

Using your VPI policy takes just three easy steps:

  1. Pay for your pet's treatment at the time of service.
  2. Send VPI your claim form, along with your receipt.
  3. VPI does the rest!

Article contributed by Nationwide Insurance, which is endorsed by the California Farm Bureau Federation. John Valentine, sponsor relations account executive, can be reached at 916-802-1785 or valentj4@nationwide.com.

*ACI Custom Research, September 2006; of veterinarians who recommend pet health insurance


Lola

A Real-Life Example of the VPI Superior Plan

Lola's Adjusted Claim: Anterior Cruciate Ligament Rupture

Diagnosis & Procedures Fees Benefit Allowance Eligible Amount
Treatment fees: $1,226 $1,207 $1,207
Anesthesia: $128 $125 $125
Testing: $98 $125 $98
Subtotal:     $1,430
Less deductible:     −$50
Total reimbursement: ($1,380 × 90%)     $1,242

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