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PetPartners Pet Insurance Review 2025

Written by Katherine Fan edited by Paul Kimreviewed by Evelyn He
PetPartners pet insurance logo on a purple Personal Finance Insider background patterned with illustrations of credit cards and coins.
PetPartners pet insurance: Is it right for your pet? PetPartners; Insider
Updated

Business insider compared PetPartners to the best pet insurance companies and found it to be lagging behind its competitors, with a restricting age limit and unimpressive premiums.

PetPartners Pet Insurance Pros and Cons

PetPartners Pet Insurance Pros

  • Reimbursements are available for vets in all 50 US States and Canada
  • Policies will cover preexisting conditions after 365 days of continuous coverage
  • Unlimited coverage available with up to 90% reimbursement

PetPartners Pet Insurance Cons

  • Complaints suggest long wait times may apply for some coverages
  • Accident and illness coverage is only available to pets 9 and under

Get Quotes

PetPartners Pet Insurance
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Compare rates and policies from participating pet insurance companies with Petted
JD Power Customer Satisfaction Rating

NR

AM Best Financial Strength Rating

A-

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Reimbursements are available for vets in all 50 US States and Canada
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policies will cover preexisting conditions after 365 days of continuous coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Unlimited coverage available with up to 90% reimbursement
Cons
  • con icon Two crossed lines that form an 'X'. Complaints suggest long wait times may apply for some coverages
  • con icon Two crossed lines that form an 'X'. Accident and illness coverage is only available to pets 9 and under
Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down.

Compare PetPartners Pet Insurance

Pets Best Pet Insurance
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On Pets Best's website
Pets Best Pets Best Pet Insurance
Insider’s Rating
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
4.89/5
Icon of check mark inside a promo stamp It indicates a confirmed selection.
Perks

Get a free quote in seconds. Pets Best provides comprehensive pet insurance plans to more than 750,000 pets.

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers pet insurance with unlimited coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers deductibles of as low as $50 and as high as $1,000 annually
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Company partners with large insurance companies like GEICO
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Rates can be extremely affordable for pets of all breeds
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage is available in all 50 states and Washington, DC
Cons
  • con icon Two crossed lines that form an 'X'. Alternative and holistic treatments may not be included
  • con icon Two crossed lines that form an 'X'. Customer reviews indicate claims processing may take longer
Pets Best pet insurance review External link Arrow An arrow icon, indicating this redirects the user."
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Lemonade Pet Insurance
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On Lemonade Insurance Company's website
Lemonade Insurance Company Lemonade Pet Insurance
Insider’s Rating
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
4.5/5
Icon of check mark inside a promo stamp It indicates a confirmed selection.
Perks

10% off your policy for bundling insurance products; 5% off your policy for insuring multiple pets; and 5% off your policy for enrolling in the annual payment plan

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. $12 premiums for basic care
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Add-ons available for other preventative care
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Comprehensive mobile experience for claims and support
Cons
  • con icon Two crossed lines that form an 'X'. Only available in 37 states and Washington DC
  • con icon Two crossed lines that form an 'X'. No 24/7 telehealth line for veterinary advice
Insider’s Take

Lemonade offers auto, homeowners, renters, pet, and life insurance. It's been around since 2015 and is known for offering some of the lowest rates. Lemonade ranks on J.D. Power's customer satisfaction surveys for renters insurance, however, it doesn't rank for life and homeowners insurance.

Lemonade Pet Insurance review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
  • Discounts for bundling policies and having multiple pets
  • Starts at $10 a month
  • Offers a discount for enrolling in an annual payment plan
Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down.
Spot Pet Insurance
Get quotes
On Spot Insurance Services LLC's website
Spot Insurance Services LLC Spot Pet Insurance
Insider’s Rating
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
4.22/5
Icon of check mark inside a promo stamp It indicates a confirmed selection.
Perks

Offers coinsurance of up to 90% of each eligible bill with no annual limit

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Wellness plans and accident and illness plans available
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states with comprehensive coverage options
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage available for senior dogs and cats
Cons
  • con icon Two crossed lines that form an 'X'. Pets have to be at least 8 weeks for coverage
  • con icon Two crossed lines that form an 'X'. Does not offer coverage for exotic pets
Insider’s Take

Spot pet insurance provides comprehensive pet insurance, including an allowance for end-of-life memorials. Some plan upgrades cover dental cleanings and other costly services.

Spot Pet Insurance review External link Arrow An arrow icon, indicating this redirects the user."
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PetPartners Pet Insurance Overview

Nationwide pet insurance review.

Why You Should Trust Us: What Went into Our PetPartners Pet Insurance Review

We evaluated PetPartners based on several criteria. We consider the price, policies offered, optional add-ons, and what each provider covers. We also research consumer feedback regarding the overall customer experience and the claims process.

Pet insurers are credited for quick claims processing, reasonable prices, and flexible options for aging pets or those with curable pre-existing conditions. Similarly, strong online reviews and financial ratings increase companies' likelihood of providing reliable coverage for the foreseeable future.

All these factors go into our insurance rating methodology.

FAQs

How much reimbursement does PetPartners offer?

Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

PetPartners offers 70%, 80%, or 90% reimbursement tiers for eligible claims. Your monthly premiums will increase with higher reimbursement rates.

How long will it take for PetPartners to reimburse my claim?

Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

It can take up to 30 days for your PetPartners claim to be reimbursed. If you hold a policy with PetPartners, you will pay your vet directly, then submit a claim for reimbursement after you have an itemized invoice from the office. Fully documented claims not requiring additional review will be resolved and paid within one business day of being assigned to a claims agent. More complicated claims can take up to 30 days.

Does PetPartners pet insurance cover preexisting conditions?

Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Yes, PetPartners covers pre-existing conditions for dogs under 9 years old. Coverage for pre-existing conditions has a 365-day waiting period.

Can I use any veterinarian with PetPartners pet insurance?

Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Yes, you can use any vet with PetPartners pet insurance, even specialty and emergency vets.

Does PetPartners pet insurance offer a multi-pet discount?

Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Yes, PetPartners offers a multi-pet discount of 5% when enrolling multiple pets.

Photo of the author Katherine Fan
Katherine Fan
Correspondent, Credit Cards
Katherine Fan was a personal finance expert, journalist, and public speaker with 10 years of industry experience. She covered all things credit cards for Business Insider's personal finance hub.ExperienceKatherine has published more than 1,800 articles, guides, and reviews covering credit card benefits and rewards, small business finances, points and miles travel, loyalty programs, and real estate investing. She wrote full-time for The Points Guy and NerdWallet before joining Business Insider.
Evelyn He smiles at the camera, standing indoors against a white wall with fairy lights in the background.
Evelyn He
Compliance and Operations Associate
Evelyn He is a compliance and operations associate for Business Insider’s Personal Finance team. Evelyn ensures content accuracy and editorial independence so readers get the most up-to-date and objective financial advice, enabling them to make informed financial decisions.ExperienceAs part of the compliance team, Evelyn helps fact check Personal Finance stories and works to make sure that the language is clear, precise, and compliant with government regulations and partner guidelines. Previously, Evelyn worked as a compliance specialist for Apellis Pharmaceuticals and a legal assistant at the law firm Morrison Mahoney.ExpertiseEvelyn is an expert in the following areas:
  • Compliance
  • Quality assurance
  • Affiliate marketing
  • Search engine optimization (SEO)
  • Content strategy
EducationEvelyn earned a bachelor’s degree in business administration from UMass Amherst and a master’s in marketing from Boston University. Evelyn has two dogs, Money and Tibber.
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