Compare Pet Partners / AKC Pet Insurance

Comparison Fact Sheet

To 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 Insurance
P O Box 37940
Raleigh, NC 27627-7940
Phone 1-866-725-2747
Website www.akcpetinsurance.com
Plans That Provide Both Accident and Illness Coverage Companion Plus*
States Covered All 50 states, including DC
Underwriter and AM Best Financial Strength Rating Insurance underwritten by American Pet Insurance Company and Independence American Insurance Company.

American Pet Insurance Company has an AM Best Financial Strength Rating of "NR" as of 4/1/18.

American Pet Insurance Company is not rated (NR) by AM Best, however they are rated by Demotech, Inc. Read More:

Independence American Insurance Company has an AM Best Financial Strength Rating of "A-" and an Outlook of "Stable" as of 4/1/18.

For the most recent ratings go to: AM Best and enter the name of the underwriter in the box labeled 'Text'.
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 Dogs: 8 weeks
Cats: 9 weeks
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period 14 day waiting period for illnesses.

3 day waiting period for injuries.

Intervertebral Disc Disease and Cruciate Ligament related conditions have a 180 day waiting period.

There are additional waiting periods for certain conditions covered under the InheritedPlus addon.
Waiting Period for Cruciate Injury Cruciate Ligament related conditions have a 180 day waiting period.

For Cruciate Ligament related conditions, there is a "...$2,000 reimbursement lifetime limit for treatment/diagnostics for each leg. ...This includes any associated meniscal injury or another condition secondary to cruciate ligament injury."
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 your 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? Coverage will continue at renewal up to the per incident limit.
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 diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.

Veterinary exam fee is not covered unless you purchase their ExamCare addon.
Illness -
Baseline Coverage		 Covers diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.

Veterinary exam fee is not covered unless you purchase their ExamCare addon.
Behavioral Therapy Coverage [NO]
Alternative Therapy Coverage [NO]

Laser Therapy, Hydrotherapy, and Physical Therapy are not considered Alternative Therapy by PetPartners and are covered.
Pre-existing Conditions Policy Pre-existing conditions are not covered.

According to their sample policy on their website, a pre-existing condition is "…any illness or injury which occurred, reoccurred, existed, or showed symptoms whether or not diagnosed by a veterinarian, prior to the original effective date of the policy or during the waiting period."

**See actual policy or call Pet Partners for complete description of pre-existing conditions.
Hereditary & Congenital Conditions Coverage [OPTIONAL]

To get hereditary and congenital coverage, you must purchase the InheritedPlus addon.

**This addon may have additional waiting periods and other policy limits. See actual policy or call Pet Partners for complete description of their Hereditary & Congenital Conditions Policy.
Continual Coverage for Chronic Conditions Coverage will continue at renewal up to the per incident limit.
Chronic Conditions Policy They do not cover the following conditions unless you purchase the InheritedPlus addon:
  • Osteoarthritis
  • Diabetes Insipidus
  • Diabetes Mellitus
  • Spondylosis
  • Luxating Patella
**The InheritedPlus addon may have additional waiting periods and other policy limits. See actual policy or call Pet Partners for complete description of their Chronic Conditions Policy.
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 unless you purchase the InheritedPlus addon.

(See 'Chronic Conditions Policy' section above)
Cancer Coverage Limits Coverage will continue at renewal up to the per incident limit.
Hip Dysplasia [OPTIONAL]

To get Hip Dysplasia coverage you must purchase the InheritedPlus addon.

**This addon may have additional waiting periods and other policy limits.

(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 the Defender or DefenderPlus addon.

Monetary limits apply.

**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] Only provides coverage for medically necessary extractions for broken permanent teeth due to an accident.

**See actual policy or call Pet Partners for full list of inclusions and exclusions.
Bilateral Conditions Policy Bilateral conditions are not covered, if that condition was a pre-existing condition on the other side of the body or if the condition happened during the waiting period.
Coverage - Overview
(please read policy for full coverage details)		 Diagnostics and treatments due to illness and accidents

[Included] Cancer Coverage, Prescription Drug Coverage, Dental Illness/Accident (limited). (Refer to each category's section for limitations)

[Optional] Routine/Wellness Care, Routine Dental Care, Hereditary/Congenital coverage, Exam Fee Coverage (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)
  • Pre-existing conditions
  • Conditions that occur during the waiting period
  • Behavioral Therapy
  • Alternative Therapy
  • Pregnancy
  • Obesity not due to a medical conditions
...See policy for a complete listing

 

How The Policy Works
Co-pay 20%
Deductible $100, $125, $150, $175, $200, $225, $250, $500, or $1,000
Flat Deductible vs % Deductible Flat
Deductible Per Incident vs Annual Deductible Annual
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 Choose from $3,000 - $16,000
Max Lifetime Payout Pet Partners does not have a maximum lifetime payout
Max Payout per Incident $1,500, $2,000, $2,500, $3,000, $5,000, $8,000, or $10,000
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
My Review AKC Review
What are Customers Saying? PetInsuranceReview.com and Yelp.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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