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PetPartners Pet Insurance Review

Our team reviewed PetPartner’s different coverage plans, pricing, and their different policy options.

Our Final Grade: B-


PetPartners Inc., founded in 2002, is a pet insurance company that is located in North Carolina.

PetPartners is the exclusive pet insurance provider for both the Cat Fancier’s Association and American Kennel Club.

The BBB has given PetPartners an A+ rating and they operate in all fifty states.

PetPartners Pet Insurance Highlights

  • Many deductible options
  • Quick turn-around on claims
  • Wellness plans
  • 80% Reimbursement rate
  • Alternative therapy

PetPartners Coverage

PetPartners offers two different coverage plans, an accident and illness plan and an accident-only plan.  They also offer two wellness plan options.

Companion Plus Accident and Illness Plan

PetPartners’ Companion Plus Accident and Illness Plan is their most comprehensive overall coverage plan for accidents, illness, and injuries.

Vet holding cat with PetPartners pet insuranceThis comprehensive plan includes the following:

  • Accidents and Illnesses
  • All Injuries
  • Chronic conditions
  • Cancer Treatment: Chemotherapy and Radiation
  • Diagnostics:  X-ray, ultrasound, MRI
  • ER & specialist care
  • Prescriptions
  • Specialty Care
  • Emergency care
  • Extracting permanent teeth

Companion Select Accident Plan

PetPartners’ Companion Select Accident Plan is their more affordable option for coverage for all accident-related conditions, but will not cover any illness.

This can be a good option for an older dog or cat.

This accident plan covers the following:

  • Accidents
  • Injuries
  • Surgery
  • Alternative Therapy
  • Lab Tests
  • X-rays
  • Ultrasound, MRI and CAT Scans
  • Hospital Visits
  • Extracting permanent teeth
  • Prescribed medication

Wellness Plans

PetPartners offers two wellness plans that can be added to the Companion Plus or Companion Select plan with different spending amounts.

The Defender and Defender Plus wellness plans have different annual allowance amounts towards different routine procedures.

The Defender Plus, the more expensive plan includes dental cleaning and spaying and neutering which the lower level Defender Plus does not offer these procedures.

As is typical with wellness plans, both wellness plans include the following:

  • Teeth Cleaning
  • Heartworm
  • Flea prevention
  • Neutering and Spaying
  • Deworming
  • Routine vet visits
  • Urinalysis

If you decide to enroll in their wellness plans, it will be an extra fee and will raise your monthly premium.

While it’s nice to have these treatments or procedures covered, they are easily paid out of pocket and not worth the extra expense.

Hereditary Conditions Coverage with PetPartners

PetPartners offers coverage for hereditary and breed-specific conditions such as hip dysplasia but only as an endorsement to your coverage plan.

In other words, you will have to pay extra for it which is very unusual in pet insurance.

Most other pet insurance companies, like Healthy Paws, offer coverage for hip dysplasia and other breed-specific conditions like chronic allergies and patellar luxation in all of their plans.

Alternative Therapy Treatment

PetPartners does offer alternative therapy treatments in their plans but with a limit of $1,000 a year.

Alternative therapy is an alternate treatment option that is non-invasive and great for older pets.

Some of the procedures offered are:

  • Acupuncture
  • Chiropractic work
  • Reiki
  • Rehab
  • Physical Therapy

Benefit Limits with PetPartners

PetPartners offer two different benefit limits, an annual maximum and a per-incident benefit.

The per-incident benefit level does not reset over the lifetime of the pet and has a maximum of $8,000.

Even though it is a per-incident limit, $8,000 is not nearly enough to cover a dog or cat with a serious disease like Cancer.

The annual maximum benefit level ranges $3,000 – $16,000.

While that might seem like a decent range, one serious accident could easily surpass that amount and then you would have the pay the balance of the vet bill.

The better plans like Healthy Paws or Figo have an unlimited benefit option so you never have to worry about reaching that limit.

Reimbursement Method

PetPartners offers one reimbursement choice of 80%.

While it makes your decision easy, most pet insurance companies offer a range of 70% to 90% so you have more options.

They do pay off the vet bill, which is always the best choice.

PetPartners Deductible Types

PetPartners does offer many different deductible options from $100 to $1,000 with $25 increments in the $100 to $250 range.

The many deductibles choices can help control and budget your premium.

The deductibles are paid annually and on your first vet bill.

If you want a lower premium, choose one of their higher deductible choices.

How Much Does PetPartners Cost?

PetPartners’ different plans are on the pricier side than some of the companies we reviewed, particularly because their coverage is not as inclusive as most and the benefit limits have low caps.

Like other pet insurance, the price is determined by the plan you choose, the breed, age and where you live.

  • The starting monthly premium for their dog insurance is approximately $45.
  • The starting monthly premium for their cat insurance is approximately $25.

An additional 5 % discount is available for enrolling more than one pet.

Claims Process with PetPartners

PetPartners claims are generally paid within 30 days, although they claim to do so within 5 days.

A claim form must be downloaded and completed.  Policyholders can fax, mail or email the claim to PetPartners.

They don’t have an online portal or app like some of the companies we have reviewed and don’t offer direct deposit.

PetPartners’ Waiting Periods and Enrollment

The waiting periods for PetPartners are the following:

  • Accidents: 3 days
  • Illness: 14 days
  • Cruciate & Orthopedic Issues: 6 months

Cats need to be 10 weeks old to enroll while dogs need to be 8 weeks old.

The oldest age that you can enroll dogs and cats is 9 years old.

There is no upper age restriction with the accident plan.

Your policy will automatically renew each policy year unless you let them know otherwise.

Frequently Asked Questions about PetPartners

Can you go to the vet of your choice?

Yes.  You can see your current veterinarian or any of your choosing.

Are the Vet Exam Fees Covered in their plans?

No.  But, if you would like to add the vet exam fees, they do have an additional rider that allows you to do so.

Are there any exclusions with PetPartners?

As with most pet insurance companies, any pre-existing conditions isn’t covered.  Other exclusions include any elective procedures, pregnancy or whelping, tail docking, or any injury that wasn’t an accident and due to neglect.

What is the difference between their base coverage plans?

The main difference is that the more comprehensive Companion Plus plan includes coverage for all accidents, illness, and injuries.  The Companion Select Plan is coverage for just accidents and injuries.

Are there any age restrictions?

Yes.  Cats and dogs can be enrolled only up to 9 years old.  However, there is no age restriction on the Companion Select Accident Only plan.

What is the difference between wellness plans?

The main difference in wellness plans are the higher-end plan gives you a bigger allowance towards wellness care and adds dental care and spaying and neutering to the different procedures offered.

Neither plan requires a deductible or has a waiting period.  But, these are not stand-alone policies and need to be added to one of the core coverage plans.

Final Thoughts on PetPartners

PetPartners has been around for many years and is a solid pet insurance provider.

However, their more comprehensive plan doesn’t offer as many treatments and procedures as most of the other pet insurance companies that we have reviewed and are priced even higher.

Further, they don’t have an unlimited benefit option and very few pricing discount options.

If you are thinking of enrolling, we would recommend choosing the highest benefit level to make sure you have sufficient coverage.

Take a look for yourself to see if PetPartners is the right pet insurance company for you and your pet.

You can go to their site: PetPartners or give them a call at 1-866-774-1113.

If you didn’t find what you were looking for and would like some additional pet insurance companies to review, our top 10 pet insurance companies to give you more options!

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