Navigating the world of pet insurance can be complex, with various terms and conditions to consider. Pet Partners Insurance, like many providers, operates with specific guidelines that policyholders should be aware of. These include waiting periods before certain coverages activate, the annual deductible you’ll need to meet, co-insurance percentages that determine cost-sharing, benefit limits on payouts, and certain exclusions that define what’s not covered. It’s important to remember that pet insurance products, their schedules, available discounts, and premium rates are not static. They can fluctuate and are subject to modifications. Your pet’s age, species, or breed, along with your residential address, are factors that influence your premium, which may increase or decrease over time. For a comprehensive understanding of the terms and conditions that apply to your specific policy, it’s crucial to consult the detailed policy documents available at www.akcpetinsurance.com/sample-policies.
A noteworthy offering associated with Pet Partners Insurance is an initial 30-day period of accident and illness coverage. This introductory pet insurance is administered by PetPartners, Inc. (PPI) and is accessible to residents across the U.S., although availability may vary by state, specifically excluding California, New York, and Washington. Certain eligibility criteria also apply to this offer. To activate this complimentary 30-day initial coverage, you must opt-in within 28 days of your pet’s registration date with The American Kennel Club (AKC). The coverage commencement is contingent upon this timely activation. While the premium is deferred for these initial 30 days, it’s important to note that standard waiting periods and exclusions, particularly for conditions like Intervertebral Disc Disease (IVDD), Cruciate Ligament issues, and pre-existing conditions, remain in effect. However, there is a provision for pre-existing conditions to potentially become eligible for coverage after 365 days of continuous enrollment in a Pet Partners Insurance policy.
For those insuring multiple pets, Pet Partners Insurance offers a Multi-Pet Discount, although this discount is not available in Alaska, Florida, Tennessee, and Washington. Both new and existing policyholders can benefit from a 5% reduction on their annual premium if they insure more than one pet or add a new pet to an existing policy. This 5% discount applies to the annual premium, encompassing most add-ons, with the exception of final respect and wellness add-ons.
It’s essential to understand the entities behind Pet Partners Insurance policies. Insurance products are underwritten either by Independence American Insurance Company (NAIC #26581) or Independence Pet Insurance Company (NAIC #17543). Both are Delaware-based insurance companies located in Scottsdale, Arizona. The policies themselves are produced and managed by PetPartners, Inc. (NPN #7612549), situated in Raleigh, North Carolina. In California, PetPartners, Inc. operates under producer license #0F27261, as PPI Pet Insurance Agency, Inc. The “AKC Pet Insurance” program is a marketing designation utilized by PPI and it’s important to note that it is neither an AKC business nor an insurance provider itself. AKC does not directly offer or sell insurance plans. The use of “AKC” and its associated trademarks by PPI is under license, and AKC may receive financial compensation from PPI as part of this arrangement.
