A Vet's Guide To Pet Insurance
Compare Pet Partners / AKC Pet Insurance
Comparison Fact SheetTo get the most from these sheets, please read the Guide to Pet Insurance first.
| Company Info | |
| Company Name | Pet Partners, Inc. |
| Also Known As | AKC Pet Insurance |
| Address | AKC Pet Healthcare Plan P O Box 37940 Raleigh, NC 27627-7940 |
| Phone | 1-866-725-2747 |
| Website | www.akcpethealthcare.com |
| Plans That Provide Both Accident and Illness Coverage | Essential Plan; Essential Plus Plan; Wellness Plan; Wellness Plus Plan* |
| States Covered | All 50 states, including DC |
| Underwriter and AM Best Financial Strength Rating | Insurance underwritten by American Pet Insurance
Company which has an AM Best Financial Strength Rating of "NR"
as of 5/1/13. For the most recent ratings go to: AM Best and enter the name of the underwriter in the box labeled 'Text'. American Pet Insurance Company is not rated (NR) by AM Best, however they are rated by Demotech, Inc. Read More: |
| Year Company Started | 2003 |
| Policy Basics | |
| Policy Term | 12 months |
| Effective Date | The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted. |
| Enrollment Age | Dog - 8 week to under 9 years
Cats - 10 weeks to under 9 years |
| Cancellation Policy | Ask for a current copy of their insurance policy so that you may review their cancellation policy |
| Waiting Period | 5 day waiting period for injuries
30 day waiting period for illnesses |
| Waiting Period for Cruciate Injury | If the covered pet has had a cruciate tear in the twelve (12) months prior to policy coverage there will be a twelve (12) month waiting period from the date your policy was effective before coverage is eligible. |
| Coverage When Travel Out of State or Country? | Out of State Coverage - You WILL be covered
while traveling to other states with your pet.
Out of Country Coverage - You WILL be covered when traveling to Canada with you pet. |
| Can the Price of the Policy Increase as my Pet Ages? | Yes, the policy premium can increase as your
pet ages. The premium may also increase due to inflation or other reasons.
Contact the company for more information on when and how your premium may increase. |
| Does Coverage Stop Due to Age? | No |
| What Happens when the Policy Renews? | Chronic conditions will continue to be covered each year as long as you do not go over the maximum payout per incident and maximum lifetime payout limits which are based on the policy you choose. (See 'Max Payout per Incident' & 'Max Lifetime Payout' sections below) |
| Can the Price of the Policy Increase if a Claim is Filed? | No |
| Choice of Vet? | You can choose any licensed veterinarian in the US and Canada, but you must live in the US permanently to purchase a policy |
| Money Back Guarantee? | If you change your mind within 30 days they will refund your money in full as long as you have not filed a claim. |
| Surcharge for Visiting a Specialist or Emergency Clinic? | No |
| Referral needed to Visit a Specialist? | No |
| Pre-certification Required? | No |
| Additional Requirements | **See actual policy or call Pet Partners for a complete list of the requirements you are expected to adhere to in order to maintain coverage. |
| Policy Available for Pre-Purchase Review? | Sample policy available online |
| What's Covered | |
| Species Covered | Dogs and Cats |
| Accident/Injury - Baseline Coverage |
Covers examinations, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications. |
| Illness - Baseline Coverage |
Covers examinations, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications. |
| Behavioral Therapy Coverage | [NO] |
| Alternative Therapy Coverage | [NO] |
| Pre-existing Conditions Policy | Pre-existing conditions are not covered. According to their sample policy on their website, a pre-existing conditions "....means any illness or injury which occurred or existed, whether or not diagnosed, prior to the original effective date of the policy" **See actual policy or call Pet Partners for complete description of pre-existing conditions. |
| Hereditary & Congenital Conditions Coverage | [NO] Hereditary & Congenital conditions
are not covered. **See actual policy or call Pet Partners for complete description of their Hereditary & Congenital Conditions Policy. |
| Continual Coverage for Chronic Conditions | [INCLUDED] Continual coverage for chronic conditions
is included in policy. Chronic conditions are covered up to the maximum payout per incident as long as you do not go over your maximum lifetime payout. (See 'Max Payout per Incident' & 'Max Lifetime Payout' sections below) |
| Chronic Conditions Policy | Chronic conditions are covered up to the maximum
payout per incident as long as you do not go over your maximum lifetime
payout. (See 'Max Payout per Incident' & 'Max Lifetime Payout'
sections below) They do not cover chronic conditions that are pre-existing or that occur during the waiting period. They do not cover the following chronic conditions:
|
| Cancer Coverage | [INCLUDED] Cancer conditions are covered if
they are not pre-existing and have not occurred during the waiting
period. Cancers that are considered to be hereditary or genetic may not be covered. (See 'Chronic Conditions Policy' section above) |
| Cancer Coverage Limits | Cancer conditions are covered up to the maximum payout per incident as long as you do not go over your maximum lifetime payout. (See 'Max Payout per Incident' & 'Max Lifetime Payout' sections below) |
| Hip Dysplasia | [NO] (See 'Hereditary & Congenital Conditions Coverage' section above) |
| Prescription Drug Coverage | [INCLUDED] **See actual policy or call Pet Partners for full list of inclusions and exclusions |
| Pregnancy Coverage | [NO] |
| Routine/Wellness Coverage | [OPTIONAL] For Routine/Wellness coverage you
must purchase either the Wellness Plan or Wellness Plus Plan. Routine/Wellness
coverage is included in these plans. Wellness Plan Includes:
**See actual policy or call Pet Partners for complete description of their Routine/Wellness Coverage |
| Vaccinations | [OPTIONAL] - See Routine/Wellness Coverage above for details |
| Spay/Neuter | [OPTIONAL] - See Routine/Wellness Coverage above for details |
| Dental Care (Routine) | [OPTIONAL] - See Routine/Wellness Coverage above for details |
| Dental Care (Illness/Accident) | [LIMITED COVERAGE] Dental treatment, including
treatment of teeth or gums, are not covered except as specifically
provided for in your policy. Gingivitis, periodontal disease, root
canals, caps, crowns, diseased or abscessed teeth, and removal of
baby teeth are not covered services. Does provide coverage for medically necessary services for broken permanent teeth. **See actual policy or call Pet Partners for full list of inclusions and exclusions. |
| Bilateral Conditions Policy | Anterior Cruciate Ligament conditions are considered bilateral conditions; only one leg is covered per life of the dog |
| Coverage - Overview (please read policy for full coverage details) |
Diagnostics and treatments due to illness and accidents [Included] Continual Chronic Conditions Coverage, Cancer Coverage, Prescription Drug Coverage, Dental Illness/Accident (limited). (Refer to each category's section for limitations) [Optional] Routine/Wellness Care, Routine Dental Care (Refer to each category's section for limitations) **See actual policy or call Pet Partners for full list of inclusions, exclusions, limitations and conditions. |
| What's not Covered - Overview (partial listing, please read policy for full details) |
|
| How The Policy Works | |
| Co-pay | Essential Plan - 10% Essential Plus Plan - 20% Wellness Plan - 20% Wellness Plus Plan - 20% |
| Deductible | Essential Plan - $125 per incident Essential Plus Plan - $125 annually Wellness Plan - $125 annually Wellness Plus Plan - $125 annually |
| Flat Deductible vs % Deductible | Flat |
| Deductible Per Incident vs Annual Deductible | Essential Plan deductible is per incident Essential Plus Plan deductible is annually Wellness Plan deductible is annually Wellness Plus Plan deductible is annually |
| How is Reimbursement Determined | CUSTOMER REP: If they feel the fees are high
compared to what is being charged in your area, they will use UCR.
Otherwise reimbursement is based on the actual veterinary bill.
IN POLICY: UCR |
| Max Payout Annually | Essential Plan annual max payout - $11,000 Essential Plus Plan annual max payout - $11,000 Wellness Plan annual max payout - $13,000 Wellness Plus Plan annual max payout - $13,000 This is called 'Maximum Payout per Policy' on their website. Their policy term is 12 months. When it gets renewed at the end of the 12 months, it is considered a new policy. |
| Max Lifetime Payout | Pet Partners does not have a maximum lifetime payout |
| Max Payout per Incident | Essential Plan per incident limit - $1,500 Essential Plus Plan per incident limit - $3,000 Wellness Plan per incident limit - $5,000 Wellness Plus Plan per incident limit - $5,000 |
| Max Payout Based on Body System | Pet Partners does not have a maximum payout based on body system |
| Client Reimbursed or Vet Paid Directly | You pay the veterinarian and then you are reimbursed after you file the claim. |
| Pricing | |
| Approximate Monthly Costs | Approximately $13.00 - $72.00 depending on the plan, species, where you live, etc |
| Additional Info | |
| Get A Quote | Get A Quote |
| My Review | AKC Review |
| What are Customers Saying? | PetInsuranceReview.com |
| Better Business Bureau | bbb.org |
| Additional Info | Your pet does not have to be registered with AKC to enroll. |
*The information in the above charts applies to AKC pet insurance policies that cover illness and accidents. If you are interested in their accident only plan, please contact Pet Partners for details on that policy.
**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by calling the company or reading the most current policy. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.
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