PetPartners Pet Insurance Review

Rating: 5.7 / 10 (Average)
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Founded in 2002 and based in North Carolina, Pet Partners, Inc. provides insurance plans to manage the veterinary expenses of dogs and cats. The company has an A+ grade with the BBB and operates in all 50 states. Pet Partners operates a reimbursement-based model that pays out on veterinary bills, and they are the insurance policy exclusively used by the American Kennel Club (AKC).

How is PetPartners rated?


Benefit Limits
Claims and Service

Overall Rating: 5.7 / 10 (Average)

PetPartners offers plans that are somewhat light on coverage, that also have two benefit caps, a lifetime per incident, and an annual maximum. The company has a flexible deductible, but does not allow you to choose your reimbursement percentage like most plans. Considering all this, their plans are also a bit more expensive than more comprehensive offerings on our list.

PetPartners Coverage

Coverage - 6 / 10

In terms of coverage PetPartners offers two base plans, an accident only and an accident and illness, in addition to a wellness add on. The plans offer standard coverage that is a little less substantial than other featured carriers. Although the company does cover prescriptions, which is not always the case.
Pets Covered
Coverage Types
Vet Selection
Out-of-State Coverage
Commercial Pets Covered

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care

Benefit Limits

Benefit Limits - 6 / 10

PetPartners has 2 levels of benefit caps: an incident level and an annual maximum. Customers can choose both when obtaining a quote. The incident level is a lifetime limit on covered expenses that does not reset annually. Yearly maximums do reset and can be set anywhere from $3,000 - $16,000. This is rather restrictive compared to other companies.
Benefit Limit Types
Per Incident
Annual Benefit Maximum

Reimbursement & Deductibles

Reimbursement - 5 / 10

PetPartners has only one choice for reimbursement level: 80%. The company does not allow you the flexibility of setting your own percentage to affect your monthly premium.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
Maximum Percent Reimbursement

Deductibles - 7 / 10

PetPartners' deductible schedule is more flexible than most, offering 9 price points between $100 and $1,000. Higher deductibles will translate into lower monthly premiums.
Deductible Type
Minimum Deductible Offered

Pricing: How much does PetPartners cost?

Pricing - 5 / 10

PetPartners' plans are somewhat more expensive than more comprehensive and flexible plans that are offered by other companies on our list.

Starting Monthly Premiums

Rate Details: Annual Deductible: $250, Benefits Cap: $8,000, Reimbursement Model: 80% Actual Cost
Available Discounts: 5% Multiple Policy Discount

Enrollment & Waiting Periods

Enrollment - 6 / 10

PetPartners has no upper age limit when it comes to accident coverage. However, for illness coverage the pet must be 9 or younger. Dogs must be at least 8 weeks and cats 10 weeks. There is a 14-day waiting period for illnesses and 3 days for accidents. Intervertebral Disc Disease and cruciate ligament related conditions have a 180-day waiting period. This is more or less standard across providers.
Min Enrollment Age
8 weeks
Max Enrollment Age
9 years
Accident Waiting Period
3 days
Illnesses Waiting Period
14 days
Free Look Period
30 days

Claims & Service

Claims and Service - 5 / 10

PetPartners processes most claims within 30 days of filing. A claim form must be downloaded and completed. Then customers can either fax, email, or mail it in to the company. The company does not offer the convenience of an online portal or app like other plans. They also do not offer direct deposit.
Advertised Response Time
3-5 days
Claim Form

Contact & Additional Information

Homepage URL
Headquarters Address
8051 Arco Corporate Drive, Suite 350, Raleigh, NC, 27617
Mailing Address
PO Box 37940, Raleigh, NC, 27627
Year Founded

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Customer Comments & Reviews

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Shaun F
Eagle, Idaho

Poor customer experience, submitted claim on 2/14/2017 and claim was finalized on 05/09/2017. Every time I would ask for clarification on what the policy covered, I would not get a straight answer, disappointing that it had to take this long to be finalized and still have not been received benefits yet. I talked with Amy (customer service rep) and she could not tell me where or when I would receive, just that the EOB would be mailed out with the check. I talked to supervisor Adam on 5/2/2017 and he told me that I would receive a email of the EOB the next day and that did not happen; lack of communication. I would recommend looking at all your options before going with this company.

Falls Church, Virginia

Very tricky and slow on reviewing the claims. Wait period for accidents injuries is 3 THREE DAYS! Impossible to get a customer care supervisor on a line. Seems like a very small company with a big ambitions. Better go with other insurance companies

Top Rated
Our Partner
9.8 / 10
  • Consistently #1 in customer satisfaction, A+ BBB
  • Chosen by almost 90% of visitors
  • Comprehensive illness and accident coverage
  • Unlimited lifetime benefits + no claim caps!
  • Annual deductible (recommended)
  • Free mobile app & no claims forms