Frequently Asked Questions
Who is eligible for the PetPartners Pet Healthcare Plan?
Policies are available to U.S. residents, for dogs 8 weeks and older, and for cats 10 weeks and older. Pets can be enrolled in four plans that include illness coverage if they are under 9 years of age. Once enrolled, coverage can renew regardless of age. The Accident Plus Plan is available for pets of any age and is good as a new policy if the pet is already 9 or older. Issuance of coverage is subject to underwriting guidelines.
Does my pet have to be purebred, pedigreed and/or registered?
No – the PetPartners Pet Healthcare Plan is available to all dogs and cats that meet the underwriting guidelines. We cover all breeds of dogs and cats.
Who underwrites the PetPartners Pet Healthcare Plan?
The PetPartners Pet Healthcare Plan is underwritten by Markel Insurance Company, rated A "Excellent" by A.M. Best Company
Can I use my current veterinarian?
Yes - you can take your pet to any licensed veterinarian in the United States or Canada.
What is covered?
The PetPartners Pet Healthcare Plan provides benefits for covered veterinary services including surgery,
hospitalization, diagnostic and laboratory tests, X-Rays, CT scans, MRIs and prescription medications.
What is not covered?
No insurance policy will be able to cover everything, so we hope you will read your terms and conditions closely.
Generally, the PetPartners Pet Healthcare Plan does not cover the following:
When do my benefits start?
Coverage for accidents, injuries and preventive coverage (if included in your selected plan) starts on Day 1. Illness coverage, where applicable on a new plan, begins 30 days after your effective date.
Is there a deductible or co-insurance?
Yes - the deductible amount and frequency, together with the co-insurance amounts are listed on the Benefits Summary by policy. Once you have met the deductible, the Plan pays the co-insurance percentage of allowable charges up to the incident maximum payable amounts.
Do you cover vaccinations and other routine items?
Yes - Preventive care such as vaccinations and boosters, an annual physical exam, flea/tick control, dental cleaning etc. is covered under the Diamond Plan.
Do you cover spaying or neutering?
Yes - the Diamond Plan provides coverage for a spay/ neuter procedure if elected.
How do I file a claim and get reimbursed?
It is simple. Pay for the visit at the time you receive services. Take a
Claim Form to the veterinarian's office and have your
veterinarian fill out Section 2 of the Claim Form. You fill out the rest of the form and send it to
us along with a copy of the itemized invoice. You can send it by e-mail, mail or fax.
We process claims within 14 days of receipt of all necessary documents. The PetPartners Pet Healthcare Plan reimburses you directly for claims.
Will my insurance plan be canceled as my pet ages?
No - we want to protect your pet through a long and happy life.
What is a waiting period?
There is a waiting period for the first 30 days of coverage during which we will not cover any disease or illness for your pet. This waiting period, however, does not apply to unforeseen injury or accidents occurring during this period. If continuous coverage is maintained, the waiting period will be waived for renewals.