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LAST UPDATED: June 27th, 2019

Based in Raleigh, North Carolina, PetPartners has company roots that go back to the 1980s, when the Kennel Club of Great Britain was established. This company was brought to the U.S. in 2002, where PetPartners now serves all 50 states through the American Kennel Club's pet health plans. 

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The Good

  • Certificate Program
  • Available Discounts
  • Build-Your-Own Plan
  • Employer Benefits Program

Certificate Program

PetPartners offers a complimentary 30-day certificate*. Cats and dogs who have been recently adopted or received a veterinary exam are eligible for PetPartners' 30-day certificate program, which includes 30 days of insurance coverage. This program, though short-term, and not available in all states, provides several competitive features:

  • Amount per Incident: $500
  • Max Term Amount$1,500
  • Deductible: $100/term
  • Co-Insurance: 20%
  • Accident Wait Time: 1 day
  • Illness Wait Time: 5 days

Following the certificate program, pet owners can continue coverage through one of PetPartners' other plans-without having to restart wait times.

*The PetPartners Insurance Certificate is not available in all states

Available Discounts

Cat Fanciers’ Association Discount: PetPartners serves as the exclusive pet insurance provider for the Cat Fancier’s Association. Any cat registered with the CFA who is enrolled on a full-term pet insurance policies is eligible to receive a 10 percent discount*. 

Multi-Pet Discount: Pet owners insuring two or more pets, will receive a 5% discount. 

*May not be available in every state

Build-Your-Own Plan

PetPartners insurance plans are customizable. Customers can select the level of coverage they need and if they want they can choose additional coverage (routine care, inherited coverage, preventative, and exam care). Customers can pay for the coverage they need and pay the price they want. 

PetPartner’s accident and illness coverage can cost pet owners as little as $10 per month. Premiums will be dependant on several factors such as age and location. 

Employer Benefits Program

For companies wanting to offer pet insurance as an employee benefit, the PetPartners Employer Benefits program is a great incentive for employees. Here’s what PetPartners Program can do for a company and its employees: 

For Employers

  • No enrollment fee
  • No minimum participation requirements
  • Fast, simple implementation
  • Options for direct pay or payroll deduction
  • Employees self-enroll online or by phone
  • Employer group discount
  • Dedicated account manager
  • Digital marketing material provided

For Employees

  • Comprehensive, affordable coverage
  • Customizable coverage, deductible, and limits
  • Optional plan enhancements available
  • Wellness and routine care options
  • Self-enroll online or by phone
  • Enroll or cancel at any time
  • Fast claim turnaround
  • Access to experienced Customer Service Team

The Bad

  • Plan Coverage
  • Claims Reimbursement
  • Lack Of A Mobile App

Plan Coverage

PetPartner only offers two coverage plans and they aren’t as extensive as other pet insurance company plans. Customers can select from the Accident Only Coverage plan which includes:

  • Accidents
  • Laboratory Tests
  • X-Rays, Ultrasounds, MRI/CAT Scans
  • Surgery
  • Hospitalization
  • Prescribed Medications
  • Euthanasia
  • Extractions of Permanent Teeth

Or customers can choose the Accident & Illness Coverage plan which includes everything from the Accident Only Plan but also includes illness and cancer coverage. If pet owners want to add additional coverage (routine care plans, hereditary coverage, exam care) to their plans, they can, but this will cost them more. 

Claims Reimbursement

It takes PetPartners 30 days to process claims, and even then, it can only distribute them through a check mailed to a customer, not more quickly through direct deposit. This adds up to long wait time for reimbursements.

Lack Of A Mobile App

PetPartners lacks a mobile app which many other pet insurance companies offer. The app is useful for members to easily file claims, check a claim's status, update account information, and more through the phone lines.


The Bottom Line

Pet owners will certainly benefit from an insurance plan from PetPartners, as they can customize their plan and only get the coverage they want. Customers can take their pet to any veterinary hospitals in the U.S. and Canada and have peace of mind that they’re pet is covered in case an unexpected accident or illness occurs. 

However, customers should note that the two base plans offered basic coverage needs, but other pet insurance companies are definitely more generous in their pet insurance coverage.  Another feature other companies in the industry that PetPartners lacks is a mobile app. Many customers like the convenience of being able to look up account information, filing a claim, etc., all from their phone.

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