Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Jun 10, 2021

Advertiser Disclosure

Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.

And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.

We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.

Our team reviewed PetPartner’s different coverage plans, pricing, and their different policy options.

Our Final Grade: B-


PetPartners Inc., founded in 2002, is a pet insurance company that is located in North Carolina.

PetPartners is the exclusive pet insurance provider for both the Cat Fancier’s Association and American Kennel Club.

The BBB has given PetPartners an A+ rating and they operate in all fifty states.

PetPartners Pet Insurance Highlights

  • Many deductible options
  • Quick turn-around on claims
  • Wellness plans
  • 80% Reimbursement rate
  • Alternative therapy

Enter your ZIP code below to view companies that have cheap pet insurance rates.

secured lock Secured with SHA-256 Encryption

PetPartners Coverage

PetPartners offers two different coverage plans, an accident and illness plan and an accident-only plan.  They also offer two wellness plan options.

Companion Plus Accident and Illness Plan

PetPartners’ Companion Plus Accident and Illness Plan is their most comprehensive overall coverage plan for accidents, illness, and injuries.

Vet holding cat with PetPartners pet insurance

This comprehensive plan includes the following:

  • Accidents and Illnesses
  • All Injuries
  • Chronic conditions
  • Cancer Treatment: Chemotherapy and Radiation
  • Diagnostics:  X-ray, ultrasound, MRI
  • ER & specialist care
  • Prescriptions
  • Specialty Care
  • Emergency care
  • Extracting permanent teeth

Companion Select Accident Plan

PetPartners’ Companion Select Accident Plan is their more affordable option for coverage for all accident-related conditions, but will not cover any illness.

This can be a good option for an older dog or cat.

This accident plan covers the following:

  • Accidents
  • Injuries
  • Surgery
  • Alternative Therapy
  • Lab Tests
  • X-rays
  • Ultrasound, MRI and CAT Scans
  • Hospital Visits
  • Extracting permanent teeth
  • Prescribed medication

Wellness Plans

PetPartners offers two wellness plans that can be added to the Companion Plus or Companion Select plan with different spending amounts.

The Defender and Defender Plus wellness plans have different annual allowance amounts towards different routine procedures.

The Defender Plus, the more expensive plan includes dental cleaning and spaying and neutering which the lower level Defender Plus does not offer these procedures.

As is typical with wellness plans, both wellness plans include the following:

  • Teeth Cleaning
  • Heartworm
  • Flea prevention
  • Neutering and Spaying
  • Deworming
  • Routine vet visits
  • Urinalysis

If you decide to enroll in their wellness plans, it will be an extra fee and will raise your monthly premium.

While it’s nice to have these treatments or procedures covered, they are easily paid out of pocket and not worth the extra expense.

Hereditary Conditions Coverage with PetPartners

PetPartners offers coverage for hereditary and breed-specific conditions such as hip dysplasia but only as an endorsement to your coverage plan.

In other words, you will have to pay extra for it which is very unusual in pet insurance.

Most other pet insurance companies, like Healthy Paws, offer coverage for hip dysplasia and other breed-specific conditions like chronic allergies and patellar luxation in all of their plans.

Alternative Therapy Treatment

PetPartners does offer alternative therapy treatments in their plans but with a limit of $1,000 a year.

Alternative therapy is an alternate treatment option that is non-invasive and great for older pets.

Some of the procedures offered are:

  • Acupuncture
  • Chiropractic work
  • Reiki
  • Rehab
  • Physical Therapy

Enter your ZIP code below to view companies that have cheap pet insurance rates.

secured lock Secured with SHA-256 Encryption

Benefit Limits with PetPartners

PetPartners offer two different benefit limits, an annual maximum and a per-incident benefit.

The per-incident benefit level does not reset over the lifetime of the pet and has a maximum of $8,000.

Even though it is a per-incident limit, $8,000 is not nearly enough to cover a dog or cat with a serious disease like Cancer.

The annual maximum benefit level ranges $3,000 – $16,000.

While that might seem like a decent range, one serious accident could easily surpass that amount and then you would have the pay the balance of the vet bill.

The better plans like Healthy Paws or Figo have an unlimited benefit option so you never have to worry about reaching that limit.

Reimbursement Method

PetPartners offers one reimbursement choice of 80%.

While it makes your decision easy, most pet insurance companies offer a range of 70% to 90% so you have more options.

They do pay off the vet bill, which is always the best choice.

PetPartners Deductible Types

PetPartners does offer many different deductible options from $100 to $1,000 with $25 increments in the $100 to $250 range.

The many deductibles choices can help control and budget your premium.

The deductibles are paid annually and on your first vet bill.

If you want a lower premium, choose one of their higher deductible choices.

Enter your ZIP code below to view companies that have cheap pet insurance rates.

secured lock Secured with SHA-256 Encryption

How Much Does PetPartners Cost?

PetPartners’ different plans are on the pricier side than some of the companies we reviewed, particularly because their coverage is not as inclusive as most and the benefit limits have low caps.

Like other pet insurance, the price is determined by the plan you choose, the breed, age and where you live.

  • The starting monthly premium for their dog insurance is approximately $45.
  • The starting monthly premium for their cat insurance is approximately $25.

An additional 5 % discount is available for enrolling more than one pet.

Claims Process with PetPartners

PetPartners claims are generally paid within 30 days, although they claim to do so within 5 days.

A claim form must be downloaded and completed.  Policyholders can fax, mail or email the claim to PetPartners.

They don’t have an online portal or app like some of the companies we have reviewed and don’t offer direct deposit.

PetPartners’ Waiting Periods and Enrollment

The waiting periods for PetPartners are the following:

  • Accidents: 3 days
  • Illness: 14 days
  • Cruciate & Orthopedic Issues: 6 months

Cats need to be 10 weeks old to enroll while dogs need to be 8 weeks old.

The oldest age that you can enroll dogs and cats is 9 years old.

There is no upper age restriction with the accident plan.

Your policy will automatically renew each policy year unless you let them know otherwise.

Enter your ZIP code below to view companies that have cheap pet insurance rates.

secured lock Secured with SHA-256 Encryption

Frequently Asked Questions about PetPartners

Can you go to the vet of your choice?

Yes.  You can see your current veterinarian or any of your choosing.

Are the Vet Exam Fees Covered in their plans?

No.  But, if you would like to add the vet exam fees, they do have an additional rider that allows you to do so.

Are there any exclusions with PetPartners?

As with most pet insurance companies, any pre-existing conditions isn’t covered.  Other exclusions include any elective procedures, pregnancy or whelping, tail docking, or any injury that wasn’t an accident and due to neglect.

What is the difference between their base coverage plans?

The main difference is that the more comprehensive Companion Plus plan includes coverage for all accidents, illness, and injuries.  The Companion Select Plan is coverage for just accidents and injuries.

Are there any age restrictions?

Yes.  Cats and dogs can be enrolled only up to 9 years old.  However, there is no age restriction on the Companion Select Accident Only plan.

What is the difference between wellness plans?

The main difference in wellness plans are the higher-end plan gives you a bigger allowance towards wellness care and adds dental care and spaying and neutering to the different procedures offered.

Neither plan requires a deductible or has a waiting period.  But, these are not stand-alone policies and need to be added to one of the core coverage plans.

Final Thoughts on PetPartners

PetPartners has been around for many years and is a solid pet insurance provider.

However, their more comprehensive plan doesn’t offer as many treatments and procedures as most of the other pet insurance companies that we have reviewed and are priced even higher.

Further, they don’t have an unlimited benefit option and very few pricing discount options.

If you are thinking of enrolling, we would recommend choosing the highest benefit level to make sure you have sufficient coverage.

Take a look for yourself to see if PetPartners is the right pet insurance company for you and your pet.

You can go to their site: PetPartners or give them a call at 1-866-774-1113.

If you didn’t find what you were looking for and would like some additional pet insurance companies to review, our top 10 pet insurance companies to give you more options!


Other articles you may find helpful: 

Is Exotic Pet Insurance Necessary? 

The Best Pet Insurance By State 

What Is Pet Insurance?

Fun Facts, Dog FAQ, And Unsolicited Dog Advice

5 Training Commands to Save Your Dog’s Life

The Ultimate Guide to Safe Foods for Dogs

Dog Health Problems

Dog Breeds


Cat Health Problems

Cat Breeds

You may find helpful one of our other Best Pet Insurance Reviews which include over 35 top insurers compared with cheap and affordable pet insurance and discounted mixed breed pet insurance