| 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 |
Coverage for accident and preventative care
is available on day 1 of coverage
Coverage for illness begins 30 days after the policy effective date.
|
| Waiting Period for Cruciate Injury |
None |
| 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.
Contact the company for more information on these increases. |
| 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 annual payout limits which are based on the policy you
choose. (See 'Max Payout per Incident' & 'Max Payout Annually'
section 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 |
| 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 disease, illness or injury which occurred or existed 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 annual payout. (See 'Max
Payout per Incident' & 'Max Payout Annually' 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 annual
payout. (See 'Max Payout per Incident' & 'Max Payout Annually'
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:
- Chronic kidney failure
- Osteoarthritis
- Diabetes Insipidus
- Diabetes Mellitus
- Spondylosis
**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 hereditary are not 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 annual
payout . (See 'Max Payout per Incident' & 'Max Payout Annually'
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:
- Annual wellness exams
- Routine vaccinations
- Flea, tick and heartworm medications
- Deworming
- Routine diagnostic tests (Fecal testing, Heartworm Test)
- Routine dental cleaning
Wellness Plus Plan includes:
- Annual wellness exams
- Routine vaccinations
- Flea, tick and heartworm medications
- Deworming
- Routine diagnostic tests (Fecal testing, Heartworm test)
- Routine dental cleaning
- Spaying and neutering
Routine/Wellness care is covered up to the usual and customary fees
for your region up to your maximum annual payout. Co-pay and deductible
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] Dental treatments are not
covered, unless specifically provided for in your policy. Root canals
and crows are not covered. Gingivitis and progressive periodontal disease
due to the accumulation of tartar is not covered. Removal of baby
teeth are not covered.
**See actual policy or call Pet Partners for full list of
inclusions and exclusions. |
| Bilateral Conditions Policy |
? |
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 (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) |
- Pre-existing conditions
- Conditions that occur during the waiting period
- Behavioral Therapy
- Alternative Therapy
- Pregnancy
- Congenital & hereditary conditions
- Chronic kidney failure
- Osteoarthritis
- Diabetes Insipidus
- Diabetes Mellitus
- Spondylosis
- Obesity not due to a medical conditions
- Elective Procedures
...See policy for a complete listing |
| 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 |
| 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. |