PetPartners Pet Insurance 2025: Full Review, Pros & Cons
Our expert's opinion on PetPartners
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.
- ✅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
- ❌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
- ✅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
- ✅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
- ❌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
- ✅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
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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.
CompanionCare | |
---|---|
Plan positioning | Core Accident & Illness plan with optional riders (ExamPlus, Defender, DefenderPlus, HereditaryPlus, SupportPlus, Breeder Coverage) |
Type of coverage | Accident & Illness |
Animals covered | Dogs and cats |
Reimbursement rate | N.C. |
Annual reimbursement limit | N.C. |
Deductible (annual or per claim) | N.C. |
Age limits for enrollment | N.C. |
Pre-enrollment health questionnaire | N.C. |
Waiting periods (accident / illness) | Accident: 2 days / Illness: 14 days |
Lifetime coverage | N.C. |
Consultations | With ExamPlus rider |
Medications | N.C. |
Hospitalization | N.C. |
Surgery | Yes |
Diagnostic tests (imaging, lab) | Yes (X‑ray, ultrasound, MRI, CT, lab tests) |
Dental care | Core: extractions for accident-related broken permanent teeth; dental cleaning with DefenderPlus rider |
Preventive care (vaccinations, parasite prevention) | Excluded in core plan; available with Defender / DefenderPlus riders |
Alternative medicine | Yes |
Travel coverage (care abroad) | N.C. |
Civil liability | N.C. |
Euthanasia | Yes |
Death & cremation coverage | Euthanasia covered; cremation available with SupportPlus rider |
Theft or loss + search expenses | N.C. |
Boarding fees | N.C. |
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.
Exclusions | Details |
---|---|
Medical exclusions | Pre‑existing conditions (symptoms or treatment before policy start; exclusion lifted after 365 days of continuous coverage); Congenital & inherited conditions (e.g., hip dysplasia, luxating patella, diabetes); Dental pathology and procedures (gingivitis, periodontal disease, root canals, caps, crowns; extractions limited to accidental broken permanent teeth); Prescription food excluded except when sole treatment for a covered condition. |
Behavioral & repetitive incidents | Behavioral training and behavioral condition treatments excluded; Repetitive incidents excluded for life after a single recurrence (e.g., repeated foreign body ingestion, recurrent fight‑related injuries). |
Owner and activity‑related exclusions | Illness or injury resulting from intentional, malicious, or grossly negligent acts by the owner; treatment performed by the owner or immediate family excluded; losses related to organized fighting, racing, law enforcement, guarding, or professional use. |
Administrative & non‑medical fees | Sales tax, administrative/claim processing fees, medical waste fees, shipping and postage, boarding fees, house‑call fees, and other non‑medical costs. |
General exclusions | Elective or cosmetic procedures, experimental or investigational treatments and clinical trials, and other policy exclusions such as certain non‑covered transport or logistical services. |
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.
👉 Compare the best pet insurance online.I comparePetPartners Promo Codes
PetPartners Promo Codes | Details |
---|---|
HelloSafe Promo Code | -5% on your quote |
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.
Assistance PetPartners | Available? | Details |
---|---|---|
Advance payment | ❌ | N.C. |
Payment facilities | ❌ | N.C. |
Mobile app | ❌ | N.C. |
Paperless claims process | ✅ | Digital claim submission reported by customers. Email and online channels used for claims. Timely reimbursements noted by reviewers. |
Emergency vet service | ✅ | 24/7 Vet Helpline provides tele‑veterinary advice day and night. |
Vet/clinic partner network | ❌ | N.C. |
Coverage abroad | ❌ | N.C. |
Customer Reviews on PetPartners
Review platform | Rating and number of reviews |
---|---|
Google Reviews | 3.1/5 (85 reviews) |
Trustpilot | 2.5/5 (15 reviews) |
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.
Contact PetPartners
PetPartners Customer Service | Details |
---|---|
To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. Visit www.petpartners.com to start the online quote or enrollment process. |
To request and track a reimbursement | To request or track a reimbursement, contact PetPartners by phone at 1-866-774-1113, by email at help@petpartners.com, or sign in to your account on www.petpartners.com. Claim submission process: N.C.; Required documents (itemized invoices, medical records, proof of payment): N.C.; Deadlines for submission: N.C.; Reimbursement method (direct deposit, check, etc.): N.C. |
To obtain a certificate of insurance | Request a certificate of insurance by calling 1-866-774-1113, emailing help@petpartners.com, or using the contact options on www.petpartners.com; you may also send a written request to PetPartners, PO Box 2150, Buffalo, NY 14240-2150. Specific required information (policy number, insured pet details) and processing time: N.C. |
To contact assistance | Phone: 1-866-774-1113; Email: help@petpartners.com; Website: www.petpartners.com; Correspondence address: PetPartners, PO Box 2150, Buffalo, NY 14240-2150; Corporate address: 8051 Arco Corporate Drive, Suite 350, Raleigh, NC 27617. 24/7 Vet Helpline is listed as an available member service. |
To cancel my policy | To cancel, contact PetPartners by phone at 1-866-774-1113, email help@petpartners.com, or send a written cancellation request to PO Box 2150, Buffalo, NY 14240-2150 (or corporate address). Required cancellation information (policy number, policyholder signature, effective date) and refund/ proration terms: N.C.; any notice periods or formal forms: N.C. |
FAQ
Do I have to pay upfront for veterinary fees with PetPartners?
N.C.
If you pay the vet directly, keep the itemized invoice, proof of payment, and clinical records.
Submit the claim docs and your policy number to help@petpartners.com or by mail to PO Box 2150, Buffalo, NY 14240-2150.
Call customer service at 1-866-774-1113 to ask whether direct-billing or third-party payment options are available for your case.
How do I cancel my pet insurance policy with PetPartners?
Contact PetPartners by phone at 1-866-774-1113, by email at help@petpartners.com, or send a signed written cancellation request to PO Box 2150, Buffalo, NY 14240-2150.
Include your policy number, policyholder name, and requested cancellation effective date in the request.
Any required forms, notice periods, and details on prorated refunds or refunds are N.C.
Retain confirmation of cancellation for your records.
What are the waiting periods for accident and illness coverage?
Accident coverage has a waiting period of 2 days and illness coverage has a waiting period of 14 days.
Waiting periods for optional riders may differ and will be shown in your policy documentation.
Pre-existing conditions are treated separately and have specific rules tied to continuous coverage.
Contact 1-866-774-1113 or help@petpartners.com for plan-specific timing.
How do reimbursements work and what documents are required?
Submit an itemized veterinary invoice, proof of payment, clinical records, and your policy number to help@petpartners.com or by mail to PO Box 2150, Buffalo, NY 14240-2150.
Reimbursement rates, annual limits, claim deadlines, and processing times are specified on your declarations page or policy materials and may vary by plan.
Claim status updates can be requested by calling 1-866-774-1113.
Keep copies of all submissions until your claim is fully resolved.
Are pre-existing, congenital, or hereditary conditions covered?
Pre-existing conditions are excluded but may become eligible after 365 days of continuous coverage without signs or treatment for the condition.
Congenital and hereditary conditions are typically excluded unless you purchase a specific rider that adds that coverage.
Coverage details and rider availability vary by plan and will be listed in your policy documents.
Contact help@petpartners.com to discuss rider options and eligibility.
Does PetPartners provide veterinary support or helplines for emergencies?
PetPartners offers a 24/7 Vet Helpline for questions, guidance, and emergency concerns, available to policyholders.
Use the helpline for clinical advice and to help decide whether to seek immediate veterinary care.
For administrative or claims assistance, call 1-866-774-1113 or email help@petpartners.com during business hours.
Keep your policy number handy when calling to speed up service.
Do I have to pay upfront for veterinary fees with PetPartners?
N.C.
If you pay the vet directly, keep the itemized invoice, proof of payment, and clinical records.
Submit the claim docs and your policy number to help@petpartners.com or by mail to PO Box 2150, Buffalo, NY 14240-2150.
Call customer service at 1-866-774-1113 to ask whether direct-billing or third-party payment options are available for your case.
How do I cancel my pet insurance policy with PetPartners?
Contact PetPartners by phone at 1-866-774-1113, by email at help@petpartners.com, or send a signed written cancellation request to PO Box 2150, Buffalo, NY 14240-2150.
Include your policy number, policyholder name, and requested cancellation effective date in the request.
Any required forms, notice periods, and details on prorated refunds or refunds are N.C.
Retain confirmation of cancellation for your records.
What are the waiting periods for accident and illness coverage?
Accident coverage has a waiting period of 2 days and illness coverage has a waiting period of 14 days.
Waiting periods for optional riders may differ and will be shown in your policy documentation.
Pre-existing conditions are treated separately and have specific rules tied to continuous coverage.
Contact 1-866-774-1113 or help@petpartners.com for plan-specific timing.
How do reimbursements work and what documents are required?
Submit an itemized veterinary invoice, proof of payment, clinical records, and your policy number to help@petpartners.com or by mail to PO Box 2150, Buffalo, NY 14240-2150.
Reimbursement rates, annual limits, claim deadlines, and processing times are specified on your declarations page or policy materials and may vary by plan.
Claim status updates can be requested by calling 1-866-774-1113.
Keep copies of all submissions until your claim is fully resolved.
Are pre-existing, congenital, or hereditary conditions covered?
Pre-existing conditions are excluded but may become eligible after 365 days of continuous coverage without signs or treatment for the condition.
Congenital and hereditary conditions are typically excluded unless you purchase a specific rider that adds that coverage.
Coverage details and rider availability vary by plan and will be listed in your policy documents.
Contact help@petpartners.com to discuss rider options and eligibility.
Does PetPartners provide veterinary support or helplines for emergencies?
PetPartners offers a 24/7 Vet Helpline for questions, guidance, and emergency concerns, available to policyholders.
Use the helpline for clinical advice and to help decide whether to seek immediate veterinary care.
For administrative or claims assistance, call 1-866-774-1113 or email help@petpartners.com during business hours.
Keep your policy number handy when calling to speed up service.