Pet Partners Pet Insurance Review

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).

Rating: 5.7 / 10 (Average)
2 Customer Reviews - see all reviews
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How is Pet Partners rated?

Breakdown

6/10
Coverage
6/10
Benefit Limits
7/10
Deductibles
5/10
Reimbursement
5/10
Claims and Service
5/10
Pricing
6/10
Enrollment

Overall Rating: 5.7 / 10 (Average)

Pet Partners 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.

Pet Partners Coverage

Coverage Specifics

Pets Covered
Dogs
Cats
Coverage Types
Medical
Vet Selection
Unrestricted
Out of State Coverage
Commercial Pets Covered

Coverage - 6 / 10

In terms of coverage Pet Partners 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.

Medical Conditions Covered

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

Medical Treatments Covered

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

Reimbursement & Maximum Benefit Limits

Reimbursement - 5 / 10

Pet Partners 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.

Benefit Limits - 6 / 10

Pet Partners 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 $8,000 - $16,000. This is rather restrictive compared to other companies.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
80%
Maximum Percent Reimbursement
80%
Benefit Limit Types
Per Incident

Claims, Service, & Deductibles

Claims and Service - 5 / 10

Pet Partners 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.

Deductibles - 7 / 10

Pet Partner's deductible schedule is more flexible than most, offering 9 price points between $100 and $1,000. Higher deductibles will translate into lower monthly premiums.
Advertised Response Time
30 days
Claim Form
Mail
Email
Fax
Deductible Type
Annual
Minimum Deductible Offered
$100

Pricing: How much does Pet Partners cost?

Starting Monthly Premiums

Dogs
$48.50
Cats
$26.42
Rate Details: Annual Deductible: $250, Benefits Cap: $8,000, Reimbursement Model: 80% Actual Cost

Pricing - 5 / 10

Pet Partners' plans are somewhat more expensive than more comprehensive and flexible plans that are offered by other companies on our list.
Available Discounts: 5% Multiple Policy Discount

Enrollment

Enrollment Age & Waiting Periods

Min Enrollment Age
8 weeks
Max Enrollment Age
9 years
Illnesses Waiting Period
30 days
Free Look Period
30 days

Enrollment - 6 / 10

Pet Partners 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.

Company Profile

Full Name
Pet Partners Pet Insurance
Year Founded
2003
BBB Rating
A+
Underwriter
American Pet Insurance Company
Moody's Financial Rating
NP
Standard & Poor's Financial Rating
NR
AM Best Financial Rating
A-
Company Website
Headquarters
875 124th NE Ste 101, Bellevue, WA, 98005
Mailing Address
P O Box 37940, Raleigh, NC, 27627
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Latest Reviews

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Shaun F
Boise, Idaho
5/12/2017
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.

N
Nurik
Woodbridge, Virginia
3/4/2015
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

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