PetPartners Pet Insurance 2025: Full Review, Pros & Cons

Our expert's opinion on PetPartners

Last update: September 4, 2025

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3

Score

3

Score

Antoine Fruchard

Insurance expert

PetPartners offers the CompanionCare accident & illness plan with a modular approach using optional riders to add preventive care, dental, hereditary, breeder, exam, and final-expense benefits.

The CompanionCare core coverage includes emergency ground ambulance, surgery, imaging, lab diagnostics, alternative medicine and rider-dependent consultations; reimbursement rates, annual limits, deductibles and wellness budgets are delivered through selectable plan options and riders. Compared with major competitors, PetPartners emphasizes modular rider flexibility and targeted emergency/diagnostic cover, positioning itself as a customizable, value-focused option rather than a uniform high-reimbursement product.

Best suited for younger pets and owners seeking flexible, budget-conscious coverage with the option to add preventive and specialty riders.

PetPartners, Inc., headquartered in Raleigh, operates nationally with employer and individual distribution and established customer support channels; customer feedback highlights both responsive service and instances of claim denials or delays, indicating mixed claims experiences and variable reimbursement timelines.

Pros

• ✅Modular riders for targeted preventive and specialty coverage
• ✅Emergency ground ambulance coverage included
• ✅Imaging and surgery covered under core plan
• ✅Alternative medicine accepted
• ✅24/7 veterinary helpline
• ✅Options for final expenses via SupportPlus rider
• ✅Customizable exam and dental rider choices

Cons

• ❌Pre-existing conditions excluded until 365 days continuous coverage
• ❌Many preventive services require paid riders
• ❌Noted claim denials and processing delays by some customers
• ❌Hereditary and congenital conditions excluded without rider
• ❌Possible age-related restrictions on illness cover

Discover the offer

3

Score

3

Score

ProsCons

• ✅Modular riders for targeted preventive and specialty coverage
• ✅Emergency ground ambulance coverage included
• ✅Imaging and surgery covered under core plan
• ✅Alternative medicine accepted
• ✅24/7 veterinary helpline
• ✅Options for final expenses via SupportPlus rider
• ✅Customizable exam and dental rider choices

Our expert's opinion on PetPartners

Last update: September 4, 2025

Antoine Fruchard

Insurance expert

Pros

• ✅Modular riders for targeted preventive and specialty coverage
• ✅Emergency ground ambulance coverage included
• ✅Imaging and surgery covered under core plan
• ✅Alternative medicine accepted
• ✅24/7 veterinary helpline
• ✅Options for final expenses via SupportPlus rider
• ✅Customizable exam and dental rider choices

Cons

• ❌Pre-existing conditions excluded until 365 days continuous coverage
• ❌Many preventive services require paid riders
• ❌Noted claim denials and processing delays by some customers
• ❌Hereditary and congenital conditions excluded without rider
• ❌Possible age-related restrictions on illness cover

Discover the offer

3

Score

3

Score

ProsCons

• ✅Modular riders for targeted preventive and specialty coverage
• ✅Emergency ground ambulance coverage included
• ✅Imaging and surgery covered under core plan
• ✅Alternative medicine accepted
• ✅24/7 veterinary helpline
• ✅Options for final expenses via SupportPlus rider
• ✅Customizable exam and dental rider choices

PetPartners offers the CompanionCare accident & illness plan with a modular approach using optional riders to add preventive care, dental, hereditary, breeder, exam, and final-expense benefits. The CompanionCare core coverage includes emergency ground ambulance, surgery, imaging, lab diagnostics, alternative medicine and rider-dependent consultations; reimbursement rates, annual limits, deductibles and wellness budgets are delivered through selectable plan options and riders. Compared with major competitors, PetPartners emphasizes modular rider flexibility and targeted emergency/diagnostic cover, positioning itself as a customizable, value-focused option rather than a uniform high-reimbursement product. Best suited for younger pets and owners seeking flexible, budget-conscious coverage with the option to add preventive and specialty riders. PetPartners, Inc., headquartered in Raleigh, operates nationally with employer and individual distribution and established customer support channels; customer feedback highlights both responsive service and instances of claim denials or delays, indicating mixed claims experiences and variable reimbursement timelines.

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The PetPartners Guarantees

PetPartners offers a core CompanionCare Accident & Illness plan that can be extended through several optional riders to add exam fee coverage, preventive services, dental cleaning, hereditary coverage, final‑expense benefits, and breeder coverage. The product is structured as a base policy with modular add‑ons that let policyholders tailor certain items such as vaccinations, parasite prevention, dental cleaning, and cremation. Core medical cover includes emergency ground ambulance, surgery, advanced imaging, and laboratory testing, with alternative medicine listed as an included benefit.

Waiting periods are short for accidents and standard for illnesses: accident coverage begins after 2 days and illness coverage after 14 days. Pre‑existing conditions are excluded but may be reconsidered after 365 days of continuous coverage. Several routine and preventive items are excluded from the base plan and require specific riders to be eligible for reimbursement. A 24/7 veterinary helpline is offered as a policyholder support benefit.

Strengths of the offering include broad diagnostic and surgical cover, modular riders that enable targeted extensions (dental, hereditary conditions, exam fees, cremation), and a 24/7 vet helpline. Main limitations are the scope of exclusions for pre‑existing and congenital conditions without riders, routine preventive care largely excluded from the base plan, and customer feedback indicating occasional claim denials, processing delays, and age‑related coverage limits.

PetPartners excludes pre‑existing conditions from reimbursement; a pre‑existing condition exclusion may be lifted after 365 days of continuous coverage. Congenital and hereditary conditions are excluded from the core CompanionCare plan unless the HereditaryPlus rider is purchased. Routine and preventive care (vaccinations, parasite prevention, wellness exams) and many dental services are excluded from the base plan and require the appropriate rider for coverage.

Key limitations include modular dependence on riders to obtain common preventive and dental benefits, potential age‑related limits on illness coverage reported by some customers, and customer feedback indicating instances of claim denials or processing delays. Policyholders should review the selected riders and the policy schedule carefully to understand which services are covered and any applicable limits or waiting periods.

PetPartners Exclusions

PetPartners’ CompanionCare exclusions center on predictable clinical and non‑medical limits, with pre‑existing conditions excluded but explicitly liftable after 365 days of continuous coverage — a notable reinstatement pathway that affects long‑term claimability. <br/>

The policy also excludes congenital and hereditary disorders, a broad set of dental procedures (gingivitis, periodontal disease, root canals, caps, crowns), and prescription food except when it is the sole treatment for a covered condition. <br/>

Repetitive incidents are treated strictly: after one incident, repeat illness or injury from the same repetitive activity is excluded for the pet’s life, which is stricter than many competitors and important for owners of pets prone to repeated foreign body ingestion or behavior‑driven injuries. <br/>

Administrative and non‑medical costs (sales tax, medical waste and admin fees, shipping/postage, boarding, house‑call fees), elective/cosmetic procedures, experimental treatments, and owner‑caused or activity‑related losses (organized fighting, racing, etc.) are also excluded.

PetPartners Prices

PetPartners positions itself as a mid‑range provider through its modular CompanionCare framework, where policyholders can tailor reimbursement rates, deductibles, and annual coverage limits to balance premium cost and out‑of‑pocket risk. This flexibility allows buyers to prioritize higher reimbursement and larger limits when seeking broader protection, or to lower premiums by selecting higher deductibles and modest limits, which is a common competitive approach in the US market.

Key differentiators that influence pricing include a suite of add‑on riders (ExamPlus, Defender/DefenderPlus, HereditaryPlus, SupportPlus) and a 24/7 veterinary helpline, which add service value without requiring that every policyholder pay for features they do not need. The combination of digital claims handling, telehealth support, and rider-based cover extensions aligns PetPartners more with digitally enabled, modular insurers, whereas many traditional competitors still offer more rigid, bundled plans with less per-feature customization.

PetPartners Promo Codes

Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.

How much will I be reimbursed with PetPartners?

✅ Example 1: Emergency surgery (ruptured ACL) Total vet costs: $3,500 (surgery, anesthesia, hospitalization, medications) Deductible amount to subtract: $100 (annual deductible) Amount reimbursable after deductible with the Premium plan: $3,500 – $100 = $3,400 90% of that amount reimbursed: $3,400 × 90% = $3,060
👉 You receive a reimbursement of $3,060.
ℹ️ The annual deductible applies once per policy year; the remaining co‑insurance portion and paid reimbursement count toward your annual coverage limit.

✅ Example 2: Diagnostic imaging and specialist consultation Total vet costs: $1,200 (specialist exam, X‑rays, bloodwork) Deductible already met earlier in the year: $0 to subtract Amount reimbursable with the Premium plan: $1,200 × 90% = $1,080 Remaining annual limit after this claim (example $10,000 cap): $10,000 – $1,080 = $8,920
👉 You receive a reimbursement of $1,080.
ℹ️ If your plan has an annual limit, each reimbursement reduces the remaining available coverage for the policy year.

✅ Example 3: Preventive care visit (vaccinations and wellness check) Total vet costs: $200 (exam + core vaccinations) Deductible amount to subtract: $0 (covered under DefenderPlus wellness rider included in the highest tier) Amount reimbursable after deductible with the Premium plan: $200 – $0 = $200 90% of that amount reimbursed: $200 × 90% = $180
👉 You receive a reimbursement of $180.
ℹ️ Preventive services are reimbursed only if you have the wellness rider (Defender/DefenderPlus); some wellness items may have separate sub‑limits or caps.

PetPartners Assistance

PetPartners provides a 24/7 Vet Helpline that delivers immediate tele‑veterinary advice, a high‑value service when owners face urgent concerns outside normal clinic hours. Preventive care is accessible through optional riders (Defender/DefenderPlus), so wellness benefits depend on add‑ons rather than being included in the base plan. Support is reachable by phone and email, and many customers praise responsive agents and generally timely reimbursements, which helps reduce short‑term financial burden after claims. There is no clearly advertised advance‑payment program to eliminate upfront vet bills, which may be a drawback for owners needing immediate financial assistance at the clinic. Owners who prioritize a branded mobile app or a nationwide partner clinic network should verify availability, as these services are not prominent in standard assistance descriptions.

Customer Reviews on PetPartners

Customers most often praise PetPartners for helpful and responsive service representatives and for instances of straightforward claims handling and timely reimbursements, which many owners say reduced short‑term financial stress after veterinary care. Positive commenters also note that policies can represent reasonable value when coverage choices are well matched to the pet’s age and risk profile, and several users highlighted specific cases where the insurer paid promptly for major procedures.

On the concern side, recurring themes include claim denials or extended claim reviews, frustration with coverage limits for older pets, and dissatisfaction with premium increases at renewal; customers also frequently cite restrictions tied to pre‑existing condition rules and waiting periods that affected eligibility for illness claims. Difficulties reaching live support during complex disputes and perceived opacity around some policy limitations appear in several reviews, leading some policyholders to question long‑term affordability and consistency.

Here are some examples of customer reviews:

• Ralf — 25/06/2025 — “Signed up for Pet Insurance through my Employer… After months of delaying tactics… they finally denied the claim… This insurance is not worth the time and or money.”
• Star Banwait — 15/07/2024 — “If you have a 9 year or older pet they do not cover illness.”
• Hayley Moon — 12/02/2024 — “Thankful I had a policy when my dog was diagnosed with Lymphoma,” but concerned about policy changes (age-related illness coverage limits, limits on increasing coverage) and renewal price increases.

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Antoine Fruchard

Insurance expert

Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.