PetPartners Pet Insurance
$15–$70/month
PetPartners Review Summary
PetPartners, founded in 2002, operates primarily as an insurance administrator that powers pet insurance for affinity brands including AKC Pet Insurance, AARP Pet Insurance, and the United Kennel Club. As a direct consumer product, PetPartners covers the essentials: accidents, illnesses, hereditary conditions, cancer, and orthopedic issues without breed exclusions. The coverage gaps are typical for their tier: no dental illness, no exam fees, no behavioral therapy. PetPartners' real value is in distribution — their affinity model reaches millions of pet owners through trusted partner brands who might never search for pet insurance directly. If you're enrolled through an affinity partner, the underlying coverage is PetPartners.
Pros & Cons
✅ Pros
- ✓Administers policies for major brands (AKC, AARP, UKC)
- ✓Flexible coverage levels and deductible options
- ✓No breed exclusions
- ✓Experienced administrator with broad distribution
- ✓Competitive pricing across tiers
⚠️ Cons
- ✗No dental illness, exam fees, or behavioral therapy
- ✗No alternative therapy coverage
- ✗Generic coverage compared to specialized competitors
- ✗Customer service experience varies by partner brand
Coverage Details
| Monthly Premium | $15–$70 |
| Annual Deductible | $100–$1,000 |
| Reimbursement Options | 70%, 80%, 90% |
| Annual Limit Options | $3,000, $5,000, $7,500, $10,000, Unlimited |
| Accident Waiting Period | 2 days |
| Illness Waiting Period | 14 days |
| Age Limit | None |
| Hereditary Conditions | ✓ Covered |
| Bilateral Conditions | ✓ Covered |
| Dental Illness | ✗ Not covered |
| Exam Fees | ✗ Not covered |
| Behavioral Therapy | ✗ Not covered |
| Cancer Treatment | ✓ Covered |
| Alternative Therapies | ✗ Not covered |
| Wellness Add-on | ✓ Available |
| Breed Exclusions | ✓ No breed exclusions |
What's Covered
- ✓ accidents
- ✓ illnesses
- ✓ hereditary conditions
- ✓ congenital conditions
- ✓ cancer
- ✓ orthopedic conditions
- ✓ prescription medications
What's Excluded
- ✗ pre-existing conditions
- ✗ dental illness
- ✗ exam fees
- ✗ behavioral therapy
- ✗ alternative therapy
- ✗ elective procedures
- ✗ breeding costs
Best For
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