I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Written by Chris Huntley
Founder of Huntley Wealth & Insurance Services Chris Huntley

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Apr 18, 2022

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Pet insurance may not be at the top of your priority list, however as pet parents, exam fees, wellness care, and especially unexpected vet bills can be budget-breaking. We also understand there are a lot of different pet insurance providers that offer various pet insurance policies.

It can get overwhelming wading through the information overload to find the right coverage for both your fur baby and your bottom line. Today, we will narrow our focus on PetPartners, Inc, giving you a full pet insurance review.

PetPartners Pet Insurance provides insurance for dogs and cats, and its services are available to customers across the United States. Their policy underwriting is handled by the Independence American Insurance Company also known as American Pet Insurance Company, based out of New York.

With an overall 30 years of experience in the industry, PetPartners is known for its comprehensive, customizable coverage, its convenient and reliable insurance experience, and its industry-leading 14-day turnaround window for claims processing.

Read our complete review for all the information you need, and find out if PetPartners is a good fit for you.

PetPartners Pet Insurance

petpartners pet insurance

PetPartners was first established in the U.S. in 2002 but was originally founded in the United Kingdom by John Spurling, after he developed exclusive pet health insurance for the Kennel Club of Great Britain.

In 2002, PetPartners began providing pet insurance for American Kennel Club registrants through AKC Pet Insurance Plans. The company then expanded coverage in 2004 thanks to a partnership with the Cat Fanciers’ Association, enabling PetPartners to support coverage for CFA members.

Finally, in 2009, the company branched out further and began providing coverage for individual pet owners and groups including associations, businesses and credit unions.

PetPartners Reviews and Customer Service

PetPartners has been a Better Business Bureau-accredited organization since 2014, and currently has an A+ rating. While customer reviews are not included in this rating, there are a very small amount of complaints, one of which involves a customer misunderstanding about PetPartners’ 5-day waiting period for coverage to begin.

Overall, the company has seen three complaints closed within the last three years, including 0 complaints within the last 12 months.

PetPartners is a highly capable provider, with an above-average customer service record. The company also has strong partnerships with the Kennel Club of Great Britain, the American Kennel Club, as well as the Cat Fanciers’ Association, the largest cat purebred registry. The company is also a member of the North American Pet Health Insurance Association.

PetPartners Contact Information

  • Company phone: 1-866-774-1113
  • Headquarters: 8051 Arco Corporate Drive, Suite 350, Raleigh, NC, 27617


  • Convenient & Reliable Service
  • 30+ Years of Industry Experience
  • A+ BBB Rating

petpartners pet insurance company

3 out of 5

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PetPartners Insurance Plans

PetPartners offers two main base policy plans for cat and dog owners, as well as other add-ons and upgrades.

Customers can customize the base level plans by selecting the level of coverage they need and further tailoring the policy with available additional coverage options for wellness, inherited coverage, diabetes, and exam care. You can choose various annual deductible coverages under $500.

They also offer two types of limits: annual and incident limits. Make sure to read the fine print, understanding that if you chose the basic plan, you can end up with a small $500 per incident level, leaving the door wide open to a lot of out of pocket costs.

In this way, customers can pay for the coverage elements they need without overpaying for unnecessary coverage.

Accident Only Coverage

This base policy is for cats or dogs, and includes coverage for the following:

  • Accidents
  • Laboratory tests
  • Surgery
  • Hospitalization
  • Pet medications
  • Permanent teeth extraction
  • Euthanasia
  • X-rays
  • Ultrasounds
  • MRI and CAT scans

However, vet visits, treatments and other costs associated with illness or pet cancer is not covered.

Accident & Illness Coverage

This policy builds on the Accident Only coverage policy and also encompasses insurance for the treatments listed above.

In addition, treatment and other costs associated with illness or pet cancer are also included in this policy coverage.

Defender & DefenderPlus Preventative Coverage

PetPartners also includes policies to help dog and cat owners cover wellness and preventative care not covered within its Accident Only and Accident and Illness policies.

Customers can work with their veterinarian to select the preventative benefits that their pet will need.

This can include services like:

  • Spay/neutering
  • Teeth cleaning
  • Rabies
  • Flea/tick prevention
  • Heartworm prevention
  • Vaccinations
  • Wellness exams
  • Heartworm test or FELV screening
  • Microchip services
  • Urinalysis or ERD
  • Deworming
  • Blood or fecal parasite exams

Depending on the plan they choose, customers can save 37% through the Defender wellness policy, or 42% with DefenderPlus.

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PetPartners Application Process

Customers seeking coverage for their cat or dog can get a quote either through the PetPartners’ website or by calling a representative over the phone. The company also has offices in Raleigh, North Carolina, where customers can get in-person quotes and service.

When applying for a quote online, customers fill out a form that includes their pet’s name, age, type, breed and whether or not the pet has been diagnosed or shown symptoms for diabetes, Cushing’s disease or FeLV/FIV. Customers also include their location and email address.

The website also features a helpful Live Chat option on the quote form fill page, as well as the ability to compare plans, view available upgrades and add-ons, and sample policy examples.


  • Convenient & Reliable Service
  • 30+ Years of Industry Experience
  • A+ BBB Rating

petpartners pet insurance company

3 out of 5

PetPartner Pet Insurance Discounts

PetPartners offers a discount for customers located in certain states, as well as to their employees in every state. The discount is applied at checkout, if customers qualify, and is only applicable to new policies.

  • Multi-Pet Discount: Customers that enroll more than one pet in PetPartners insurance coverage with brand new policies can qualify for 5% off.
  • Employee Discount: Employees of PetPartners can also receive a discount on their insurance, although the exact percentage is not listed. Employees can get a quote and enroll through a special page on the company’s website. Employees can also qualify for the Multi-Pet discount.