Many pet owners have more questions than answers when it comes to buying a pet insurance plan.
What kind of incidents and conditions are covered? How much does a pet insurance policy cost? Just as important, how do you choose the right company?
If you’ve come across PetPartners in your quest for pet insurance, you’re probably wondering about their coverage, cost, and the company’s standing.
Below, we’ll answer the questions above and help you decide whether or not PetPartners is worth your while.
Table of Contents:
- About PetPartners
- PetPartners Insurance Options
- Waiting Periods
- Sample Quotes
- Pros and Cons
- Alternatives to PetPartners
PetPartners is one of the oldest pet insurance companies in the country.
While it didn’t begin selling policies in the US under the name PetPartners until 2002, the company’s story began in the UK in the 80s.
What began as insurance for the Kennel Club of Great Britain was expanded by founder John Spurling into the PetPartners of today. With 30 years under its belt, PetPartners has seen major growth, now available in all 50 states.
They’re also the preferred pet insurer of the American Kennel Club.
PetPartners’ plans are underwritten by American Pet Insurance Company, which isn’t currently rated by A.M. Best. While the lack of a credit rating may raise a red flag, you can see a history of stability in the company’s 30+ year track record.
PetPartners does, however, have an “A+” rating from the Better Business Bureau, as well as accreditation. Adding even more to its positive reputation, PetPartners is a passionate supporter of animal welfare initiatives, awarding an “animaltarian of the year.”
PetPartners Insurance Options
PetPartners gives you a few levels of coverage to choose from, starting with a basic accident and illness plan called CompanionCare.
- Alternative/holistic treatment
- Behavioral therapy
- Cancer treatment
- Emergency care and hospitalization for covered conditions
- Illness, excluding any and all pre-existing conditions
- Screening: CT scans, MRIs, X-rays, and ultrasounds
- Lab work related to covered conditions
- Pet ambulance
- Physical rehab therapy
- Prescription medications
- Supplements and vitamins
- Surgery and associated costs for covered conditions
What’s Not Covered
- Breeding and associated costs
- Congenital and hereditary conditions (these require the purchase of additional coverage)
- Cosmetic or elective procedures
- Exam fees (optional addon with ExamPlus)
- Routine and Wellness Care (optional add-on with Defender or DefenderPlus)
- Pre-existing conditions
You can add the benefits below to your accident and injury plan for additional coverage:
- Defender: +$14.00/month, reimburses routine care expenses on a schedule of benefits
- Defender+: +$25.00/month, provides an even higher level of reimbursement for routine/wellness care
- ExamPlus: +$4.25/month, includes exam fees at the vet, specialists, or emergency center
- SupportPlus: +2.00/month, covers some end-of-life expenses if your pet passes away
PetPartners Waiting Periods
All pet insurance companies offer coverage with a conditional waiting period, which differs depending on the condition.
Here’s how long PetPartners’ waiting periods are:
- 2 days: Accident care
- 14 days: Illness care
- 180 days: Cruciate ligament conditions and IVVD
PetPartners Insurance Sample Quotes
Each pet insurance company configures premiums in its own way, but a few common standards are used to determine the cost of coverage.
Here are the factors that PetPartners will use to set your rates:
- Your pet’s age and sometimes gender
- Their species and breed
- Your location, as some regions and major cities are more costly
- Coinsurance (amount you pay after meeting the deductible)
- Deductible amount, usually 70-90%
- Maximum annual benefits
- Type of coverage you choose
To give you an idea of the kind of rates you can expect from PetPartners, here are a few sample quotes:
PetPartners Sample Quotes for a Dog
Sample quotes for a CompanionCare plan for a 2-year-old Golden Retriever in San Diego:
|Deductible||Coinsurance||Per-incident limit||Annual limit||Monthly Premium|
|$250||20%||No limit||No limit||$68.87|
PetPartners Sample Quotes for a Cat
The same amounts of coverage with the presets above would cost between $10 and $25 a month for a mixed breed cat.
Cats generally pose a lower level of risk, resulting in more affordable premiums.
If you insure multiple pets, whether they’re dogs or cats with PetPartners, you can save 5% on premiums.
Pros and Cons
PetPartners ranks among our top picks for pet insurance, with plenty of positive attributes. Consider those, along with the drawbacks of buying a pet policy from PetPartners as you evaluate the company.
- Flexible Coverage: You can choose from several levels of protection and tweak the reimbursements, coinsurance, and benefit limits.
- Wellness Coverage: If you’d like a plan that accounts for preventive and routine care, you can easily add it to PetPartners’ basic illness and injury policy.
- Travel Protection: Your pet’s plan is active anywhere in the United States or Canada, providing you with on-the-go access to any licensed vets.
- Multi-Pet Discount: You can protect all of your four-legged friends and save money in the process with PetPartners’ multiple pet discount of 5%
- Age Limits: PetPartners does not insure pets under 8 weeks old, and pets ages 9 and older are ineligible for illness coverage. Hip dysplasia and congenital conditions are only covered if you enroll your pet at 2 years or younger.
- Transaction Fee: PetPartners comes with a $3 transaction fee, which is higher than some other companies.
- Inherited Conditions: Hereditary and congenital illnesses aren’t covered by the base plan offered by PetPartners. You’ll have to pay extra to insure them.
Alternatives to PetPartners
Whether PetPartners lacks the features you’re looking for, or you simply want to explore more options, shopping around is always a good idea.
Take a few minutes to learn more about the alternatives to PetPartners below:
Is PetPartners Pet Insurance for You?
Pet insurance, like health insurance for humans, isn’t a one-size-fits-all product. PetPartners understands that, letting you pick and choose what coverage you need.
If you’re looking for a highly customizable policy that you can mold to meet your budget, PetPartners could be just what the vet ordered.
Though you may need to read the fine print carefully to fully understand PetPartners benefits limits, age limits, and exclusions, it could be well-worth it if you’re looking for a policy that’s tailor made just for you and your pet.
If PetPartners sounds like it might be a good fit, or you want to explore more awesome pet insurance companies, grab a few quick quotes to get started.