VPI Pet Insurance, one of the oldest in the U.S. since the 1980s, offers a range of plans for dogs, cats, birds, and exotic pets, despite increased competition in the market. Their three main plans include the comprehensive Major Medical Plan, a more economical Medical Plan, and the Injury Plan designed for senior pets. Signing up is straightforward, and reimbursement for treatment depends on the chosen policy's deductible and benefits.