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PetPartners Review

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Pet Partners
BestMoney Staff
Bestmoney Staff
Jul. 27, 20214 min read

Pet Partners summary

PetPartners was founded in the UK in the 1980s to provide insurance for the Kennel Club of Great Britain and has been selling pet insurance in the US since 2002. The company provides highly flexible plans for dogs and cats, customizable rates, and customers can see any veterinarian of their choosing. Policies are underwritten by PetPartners’ partners at the Independence American Insurance Company, and in WA, the American Pet Insurance Company.


  • Customize your reimbursement, deductible, and coverage
  • Upgrade plans available for additional coverage
  • 30-day money-back guarantee, depending on state


  • Routine care requires an additional plan
  • Standard policy doesn’t cover exam fees
  • Hereditary illness coverage requires a rider
Pet Partners at a glance

Editorial score

Online experience

Great site with learning resources


Customizable rates and services

Customizable plans and rates, upper age limit


Claims payout waiting period



Customer support

24/7 communication and a pet hotline available



Multiple bundles available


Pet Partners Pet Partners Visit Site

What Does it Cover

PetPartners offer both accident-only and accident and illness plans. The accident-only plan covers only conditions that stem from an accident. The accident and illness plan covers surgeries, diagnostic tests, hospitalizations, allergies, prescription medications, behavioral problems, and alternative care such as holistic treatments.

Insurance Plans & Pricing 

PetPartners offers a lot of customization options for its plans, so estimating pricing can be tricky. It’s important to note that pet insurance premiums are based on the breed of the dog or cat and their home zip code, among other factors. Policies are underwritten by PetPartners’ partners at the Independence American Insurance Company, and in WA, the American Pet Insurance Company.

For a 3-year-old labrador retriever, basic accident and illness coverage with a $1,000 deductible, 70% reimbursement rate, and $2,500 coverage limit costs $23.02 per month. For the same pet, coverage with a $100 deductible, 90% reimbursement rate, and unlimited coverage costs $81.17 per month. These rates are based on a New Jersey zip code.

You can also add upgrades to your plan for additional coverage. For example, reimbursement for exam fees costs $5 per month and reimbursement for euthanasia and burial fees costs $2 per month. Preventative care plans start at $17 per month without dental coverage or $29 per month with dental coverage.

Depending on your state, PetPartners gives you the option to cancel your coverage and receive your money back within 30 days of signing up, as long as you have not submitted a claim.

What is Not Covered

The accidents and illness plan does not cover preventative care, exam fees, pre-existing conditions, congenital conditions, or hereditary conditions. You can add coverage for exam fees and preventive care when selecting your plan options, but you will need to contact PetPartners for a rider if you want to cover hereditary or congenital conditions.

It’s also important to note that PetPartners only offers accident and illness plans for pets under 9 years old. Once your pet turns 9, any existing illness coverage will be terminated.

Waiting Periods

PetPartners offers policies with a waiting period of 2 days for accidents, 14 days for illnesses, and 180 days for cruciate ligament conditions.

Coverage Limits

You can customize your coverage limit when choosing your plan. Coverage limits range from $2,500 to unlimited.

Reimbursement and deductibles:

You can choose a reimbursement rate from 70% to 90%. You can also choose a $100, $250, $300, $400, $500, $600, $750, or $1,000 deductible.

Pet typeLabrador retrieverGerman shepherdDomestic shorthair
Coverage limit$5,000$2,500$5,000
Price per month$56.75$21.61$12.83

Claims and Service

To file a claim, you must print out a form from the PetPartners website and email or mail it in along with a copy of the invoice provided by your vet. PetPartners typically processes claims within 14 days, and all reimbursements are sent as a check through the mail.

If you need help filing a claim or have questions about your policy, you can get in touch by phone or email from 8:30 AM to 8 PM (EST) Monday to Friday or 10 AM to 3 PM Saturday. PetPartners also has a 24/7 phone support line you can use to talk to a licensed veterinary professional.

What You Might Like

PetPartners offers low-cost insurance plans if your pet just needs basic coverage. The plans are highly customizable and you can choose what upgrades to add if you want additional coverage.

What PetPartners Could do Better

Choosing your plan options with PetPartners is somewhat complicated, since there are many different upgrades and riders available. It’s also important to realize that PetPartners only offers illness insurance for pets up to 9 years old. Once your pet turns 9, they are only eligible for accident coverage and any existing illness coverage will be terminated.

Contact Details and Address

PetPartners, Inc., 8051 Arco Corporate Drive, Suite 350, Raleigh, NC 27617

Phone: (866) 774-1113


Bottom Line

PetPartners offers highly customizable pet insurance plans for dogs and cats. You can choose between accident-only or accident and illness coverage and add upgrades to cover exam fees, preventative care, and more. This insurer also lets you choose your coverage limits, deductible, and reimbursement rate. Overall, PetPartners is suitable for anyone who wants full control over their pet insurance policy.


This review was created using the PetPartners website and online rate quote tool.

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BestMoney Staff
Written byBestmoney Staff

Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.

Pet Partners
Pet Partners

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