The A-Z of Pet Healthcare Insurance

Generally, Pet Healthcare Insurance is taken out for unforeseen and unavoidable events in much the same way that you would take out car insurance to protect your vehicle in case of an accident. As with all insurance policies, there is a lot of detail, so we hope that this general A-Z guide will answer some of your questions about our pet healthcare insurance.

A - Accident: All of our policies provide coverage for accidents and injuries that can happen to your pet, anything from being hit by a car to swallowing a sock (we've seen it!).

B - Breed: We do not increase your rate or premium due to the breed of your dog, our rates are the same regardless of whether you have a purebred or mixed breed dog.

C - Cancer: We provide coverage for cancer like any other illness, no additional rider is required, no additional coverage to purchase, no additional cost!

D - Deductible: Your deductible is the portion of a covered loss you pay before we are responsible for reimbursement under the policy. The amount and frequency of the deductible depends on which policy you choose.

E - Exams: Our Wellness Plans provide benefits towards your pet's annual physical exam, so be sure to have your pet examined on an annual basis to maintain their health and happiness.

F - Flea Control: Flea control is considered part of the wellness benefits on our two Wellness Plans. If you select one of these plans, 12 months of coverage is allowed based on your dog's weight, not on a pre-selected amount. This is another example of our great coverage.

G - Geriatric: We welcome all older pets to our Accident Plus policy. There is no upper age limit to join. Older pets can have accidents too!

H - Heartworms: Taking advantage of our Wellness Plans will allow you to have coverage for the testing and 12 months of Heartworm Prevention, that is based on your pet's weight. This is a great way to plan for this expense.

I - Incident: An illness or injury may take an extended time to be treated and is not considered preexisting with your policy renewal!

J - Jumping is fun for Pets but can be dangerous: Even inside pets are at risk from the unexpected tumble. Pets want exercise and sometimes they'll get it any way they can, even jumping out of your arms can result in a trip to the hospital and a cast.

K - Keep a Claim Form Handy: You never know when you will have to go to the vet. Keep claim forms and your policy number in the glove compartment of your car or in something you are likely to have with you at all times. This will save you time in filing your claims.

L - Ligaments: We offer superior cruciate ligament coverage! There is no specific waiting period for cruciate tears or ruptures and no special limits for these.

M - MRI and CAT Scans: Diagnostic tests and scans performed to determine the cause of an illness or injury are considered part of treatment and are provided for in your benefits. Even if it turns out that your pet has a condition that is not covered, the tests done to diagnose the condition are eligible for benefits. This is another thing that really sets us apart from the competition.

N - Neutering & Spaying: Our Wellness Plus Plan covers spaying or neutering.

O - On-going Conditions: Unlike injuries, on-going conditions (like skin conditions, allergies, epilepsy) often require treatment over many years. Over 50% of pet claims are for on-going conditions so it is important to know that your policy will allow coverage for these conditions year after year, up to the maximum per incident.

P - Prevention: The Wellness and Wellness Plus Plans provide benefits for a physical exam, fecal exam, heartworm test, heartworm prevention, fleas and tick prevention, annual dental cleaning, vaccinations and even an option for spaying or neutering.

Q - Quick Claims Settlement: The PetPartners Pet Healthcare Plan aims for a fast turnaround so your claims are processed quickly - generally claims are processed within 15 days after receiving all necessary information.

R - Renewal: The great thing about our renewal process is that it's automatic. As long as we have a current form of payment, your coverage will continue without lapse and without worry.

S - Specialists: Sometimes you may need to visit a specialist. These visits can be very expensive (an initial consultation can be $200 on its own-before any diagnostics or treatment!). Our plans allow for specialist visits!

T - Teeth: The dental health of your pet is very important to its health. Our Wellness Plans provide benefits for an annual dental cleaning to make sure that your pet's teeth are healthy. This is one of the best Wellness benefits available.

U - Understanding: Your coverage is very important to you and your family pet. We want to make sure you understand all of the benefits of your policy, so please let us answer any questions you may have.

V - Veterinarian: You can use any licensed veterinarian in the US or Canada, if traveling there.

W - Wellness: Our Wellness Plans provide complete and comprehensive coverage for preventative treatments to prevent your pet from becoming ill as well as providing superior benefits in case they do become ill or suffer an accident or injury.

X - X-Rays: Veterinary medicine relies upon X-Rays to help diagnose conditions. Our pet insurance covers this diagnostic procedure. We also provide benefits for MRIs, CT Scans and other advanced diagnostic procedures if medically necessary.

Y - Young: We can start providing coverage for your puppy as early as 8 weeks old and your kitten as early as 10 weeks old. Protect them from the beginning!

Z - Zoonotic: A funny word that means any illness that originates from an animal that can be transferred to a human, so by protecting your pets you are protecting yourself and your family.

When you take out the PetPartners Pet Healthcare Plan you have a 30 day 'free look', in case you change your mind.* We encourage you to use this time to read the full terms and conditions. You can find all this information on the PetPartners Pet Healthcare Plan policy page.

*30 day 'free look' not available in New York.