VPI is probably the worst - see this sample plan downloaded from their site. This is their "best" plan with the most coverage. (Strange - they "say" this covers hereditary on the page that lists the options, but the language in the actual policy says it is excluded.) They also don't cover hip dysplasia or luxating patella. They also pay on a predetermined schedule rather than on the actual bill.
http://www.petinsurance.com/images/VSSimages/media/pdf/Major_Medical_Plan_Policy Pkt_NCC.pdf
6. WHAT WE DO NOT COVER – EXCLUSIONS
We will not pay for:
A. Diagnosis or treatment of any pre-existing condition.
B. Diagnosis or treatment of any condition identified as an Additional Excluded Condition on the Declarations Page
or Renewal Certificate of your policy.
C. Diagnosis or treatment of any bone or joint condition consisting of or associated with: (1) hip dysplasia, or any
luxation or subluxation associated with hip dysplasia, (2) elbow dysplasia, (3) patellar luxation or subluxation, (4)
osteochondritis dissecans, or (5) any fracture, luxation, or subluxation associated with aseptic necrosis of a femoral
head, except as provided in section 4, G of this policy.
D. Diagnosis or treatment of any condition consisting of or associated with: (1) angular limb deformity or (2) cruciate
ligament or meniscal damage or rupture that occurs during the first twelve (12) calendar months that this policy is in
effect.
E. Diagnosis or treatment of any condition consisting of or caused by cervical vertebral instability/Wobblers, except as
provided in section 4, G of this policy.
F. Diagnosis or treatment of any congenital disorder or developmental defect or any condition caused by or
resulting from the congenital disorder or developmental defect. We provide examples—not a complete list—
of common congenital disorders and developmental defects on our website:
www.petinsurance.com or you
may call us at 800-USA-PETS to obtain this list.
G. Diagnosis or treatment of any hereditary disorder, defect, or disease or any condition caused by or resulting
from a hereditary disorder, defect, or disease, except as provided in section 4, G of this policy. We list the
conditions that we regard as hereditary disorders, defects, or diseases on our website:
www.petinsurance.com or you may call us at 800-USA-PETS to obtain this list.
Click on this link and see what they pay for a list of 50 conditions - it's a joke if you know what you would really spend -
http://www.petinsurance.com/plans-and-coverage/whats-covered.aspx
Pat