Why Pet Insurance?
Pets Are Family
While our bonds with our pets are stronger than ever, rising vet costs create a financial burden that many families struggle with.
Why is Pet Insurance Important?
Cost of an average routine vet bill1
of pet owners would have a hard time paying an unexpected vet bill2
Of pet owners would go into debt over a $999 vet bill or less2
That’s why Pet Insurance is the third fastest growing employee benefit.3
Pet parents with employer-provided pet insurance coverage know they can give their pets the care they need without the financial stress - and that fosters a happier, more productive, and loyal workforce. In a competitive market, providing pet insurance can help attract, engage, and retain employees.
Help your employees take the stress out of vet bills.
Pet parents should never have to make a difficult decision about their pet’s health for financial reasons. Pet insurance can help reimburse towards the cost of certain veterinary and pet healthcare expenses. Here’s how it works:
- Pet parents visit any licensed vet in the U.S. or Canada
- They pay the bill and submit a claim
- They get reimbursed for eligible expenses, either deposited right into their bank account or by check
1The average cost of a routine vet bill is $300. (Source: WellnessPetFood.com).263% of pet owners would have a hard time paying an unexpected vet bill, with nearly half going into debt over a $999 vet bill or less. (Source: “42% Of Pet Owners Can’t Cover A Surprise Vet Bill Amid Inflation” Forbes Advisor). 3Pet insurance is the third fastest growing voluntary benefit (Source: Willis Towers Watson VB Survey - May ‘21).
"The memories we look back on as pet parents should be full of love and laughter, not the times we worried about our sick or injured pet. I love that I can help pet parents provide high-quality care for their pets, so they can all get back to creating happy memories."
~Jasmin T., Channel Sales and Marketing SpecialistOUR STORY
What to Know About Pet Insurance
Pet insurance and human health insurance are not as similar as you think. These frequently asked questions from fellow pet parents will shed some light on the differences.
Can I use my current vet?
Because pet insurance works on a reimbursement basis, you can visit any licensed vet in the US or Canada - including emergency and specialty vets!
Is there a discount for more than one pet?
We understand you can't pick a favorite, so enroll all your four-legged family and receive a 5% multi-pet discount.**
Is there an age limit?
Our policies are for cats and dogs eight weeks old and above! We consider ourselves your pet insurance partner for life and won't cancel your policy because your pet is getting older.
What's the waiting period before coverage begins?
All pet insurance companies require a waiting period after enrollment before coverage can take effect. We offer short waiting periods to ensure you can start benefiting from your policy quickly!
Here’s a full list of waiting periods:
- Accident/Injury – 2 days
- Illness – 14 days
- Cruciate Ligament Related Condition – 180 days
- IVDD (Intervertebral Disc Disease) – 180 days
- Pre-existing conditions – 365 days
Are pre-existing conditions eligible for coverage?
PetPartners offers customers coverage for pre-existing conditions*** across all of its Accident and Illness plans after 365 days of continuous coverage. We cover commonly excluded symptoms and conditions such as cancer, urinary tract infections, chronic ear infections, gastrointestinal issues, and more.
***Not available in all states.
Can I choose my deductible?
PetPartners offers a variety of deductible options so you can build a plan that fits your budget.
What is co-insurance?
Coinsurance means Your portion of Covered Expenses after the Deductible is met.
Is there wellness/preventative care coverage?
Yes, there is Preventative Care Coverage that can help save you money on annual visits and routine care including flea and tick preventatives, vaccinations, and more!