Frequently asked questions
Enrollment and Costs
How much does pet insurance cost?
Premiums may vary depending on factors such as age and location. Check your pet's individual costs by getting a quote with just a few clicks or call one of our pet insurance specialists at 1-866-774-1113
Can I use my current veterinarian?
Absolutely - you may use any licensed veterinarian in the United States or Canada. This includes emergency and specialty vets.
What's the oldest age at which I can enroll my pet?
There is no cap on age for enrollment, only eligibility limits. If you desire illness coverage for your dog or cat, they must be enrolled before their 9th birthday.
Does my pet need to be a purebred or registered with the American Kennel Club to enroll?
A registration is not required to purchase a pet insurance plan. In fact, your cat is eligible for pet insurance coverage as well!
Do you offer a multiple pet discount?
Yes! When insuring two pets or more you will receive a 5% multi pet discount.
Will my insurance plan be cancelled as my pet ages?
No, we maintain your coverage for the life of the pet. We will not cancel your pet's coverage because of its age.
Who is eligible for PetPartners?
Plans are available for dogs 8 weeks and older, and cats 10 weeks and older that reside in the U.S. We offer two base plans - accident and illness coverage is available to all dogs and cats under the age of 9 years and an accident only plan for all dogs and cats 9 years and older. All breeds of dogs and cats are eligible for coverage.
What are the waiting periods?
A waiting period is a specific period of time specified in the policy that must pass before some or all coverage begins. The waiting period begins on the effective date of the coverage period. This waiting period applies to the first year policy as well as coverage increases, however does not apply to your annual renewal, providing you maintain continuous coverage with us.
Is there a deductible or co-insurance?
Yes - You have the ability to select the annual deductible and coinsurance for your plan. Wellness coverage is excluded as it is on a benefit schedule; this means no deductible or co-insurance is applied.
How do you determine what will be a pre-existing condition?
Pre-existing conditions are those illnesses or injuries which have occurred or existed prior to the policy effective date and its specific waiting periods.
Does PetPartners cover alternative medicine and therapies?
Yes! Alternative medicines and therapies are included in all base plans. This also includes the diagnosis and treatment of behavior problems with an annual maximum of $1000.
Is my pet covered while we are traveling?
Yes - As long as you are traveling within the U.S. or Canada your pet has coverage.
What are inherited and congenital conditions?
Congenital condition refers to an illness, disease or condition that was present at or before the date of birth. Inherited condition refers to the presence of an illness or condition that is determined by genetic factors.
Will a condition ever be considered pre-existing due to policy renewals?
The only time a condition will be considered pre-existing at policy renewal would be if there has been a gap in coverage between policies.
What is hip dysplasia and can my pet get coverage?
We offer coverage for hip dysplasia with the purchase of the Hereditary Coverage endorsement with your base plan. Hip dysplasia is an inherited condition found in dogs and cats. This is a painful condition where there is an abnormal structure of the hip joint, and a laxity in the surrounding muscles and connective tissue and ligaments.
Are pre-existing conditions eligible for coverage?
PetPartners offers customers coverage for pre-existing conditions across all of its Accident and Illness plans* after a 12-month waiting period. We cover commonly excluded symptoms and conditions such as cancer, urinary tract infections, chronic ear infections, gastrointestinal issues, and more.
How do I file a claim?
To file a claim, simply download and complete our claim form. Send us the completed claim form along with the invoice from your veterinarian and we will take care of the rest. For more detailed instructions please visit the file a claim section.
Where can I get a claim form?
Download Claim Form
We suggest printing off a few claim forms to keep on hand.
Should I bother to file a claim if my bill is less than my deductible?
Yes – This will go towards fulfilling your annual deductible if eligible. In the instance that another incident occurs later in the year, you have less of a deductible to meet.
How long do I have to file a claim?
We understand the stresses that you may be going through with a sick or injured pet. That is why we give you up to 180 days to file a claim.
How do I get paid when my claim has been approved?
Claims are reimbursed in check form. Please make sure your mailing address is up to date to ensure a speedy return.
What payment methods are available?
We accept the following forms of payment: credit card, electronic check, or paper check. Paper checks are only accepted for policies paid annually in full. If you choose to pay your premiums annually, you can save up to $48/year.
How do I update my payment or personal information?
To update personal or payment information please call our pet insurance specialists at1-866-774-1113.
How do I cancel my policy?
If you choose to cancel your policy, you may do so at any time by calling our pet insurance specialists at 1-866-774-1113.
Our customer care team is happy to answer any additional questions you may have about pet insurance or policy information.Contact Us >