Pet Insurance Plans | CFA Pet Health Insurance for Dogs and Cats
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Our Pet Insurance Plans

PetPartners offers several plan options to meet your specific needs. Our plans include: Diamond, Emerald, and Sapphire. We pride ourselves in offering plans with the richest coverage in their class.

Compare our pet insurance plans side by side

We offer a multiple pet discount if you insure two or more pets with us you will receive 5% off each pet's premium!

Free look* If you are not satisfied with your new policy, contact us within 30 days of the coverage effective date and we will cancel your insurance and refund your premium in full, as long as you have not submitted any claims.

* Free look period not available in New York.





Wellness Plus

  Policy Terms & Conditions
Outstanding protection, including spay/neuter and other special benefits

The CFA Wellness Plus Plan is our very best package of pet healthcare benefits. On top of all the great benefits for accidents, illnesses and wellness in the Wellness Plan, this plan also reimburses you for spaying or neutering your pet, and titer tests in place of vaccinations. If you are suddenly hospitalized for more than 48 hours, we will cover some of the costs of boarding or a pet sitter! It all adds up to an amazing package of peace-of-mind protection.

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Wellness

  Policy Terms & Conditions
Wellness benefits in addition to top pet insurance for accidents and illnesses

In addition to great benefits for accidents and illnesses, this plan reimburses the majority of preventive care costs including an annual dental cleaning, vaccinations, flea & tick prevention, heartworm controls and more. With its per incident limit of $5,000 and a $13,000 maximum policy limit, our Wellness Plan is truly an excellent investment in your pet's health and happiness!

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Essential Plus

  Policy Terms & Conditions
Superior pet insurance protection for accidents and illnesses

If you are seeking superior protection for your pet's accidents or illnesses, then the Essential Plus Plan is a great choice. With a per incident limit of $3,000, it provides double the coverage for the 'per incident limit' compared with the Essential Plan, as well as richer deductible/coinsurance benefits.

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Essential

  Policy Terms & Conditions
A great starter pet insurance plan covering accidents and illnesses

If you are looking for pet health insurance to help with accidents and illnesses, the Essential Plan provides excellent protection as a starter plan so you can feel more comfortable about funding your pet’s unexpected health care bills.

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Accident Plus

  Policy Terms & Conditions
Protection for accidents, PLUS a whole lot more

Consider the Accident Plus Plan as a minimum level of pet insurance protection for accidents and injuries that frequently lead to high bills from an animal hospital or clinic. That way, in an emergency, you can focus on getting the best treatment for your pet without worrying about the costs. It's your pet's 'In Case of Emergency' Plan.

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Like all pet insurance plans, PetPartners can't cover everything and offer affordable coverage for your pet. We have some specific exclusions, such as pre-existing conditions, that are not covered. What's Not Covered for details.


Diagnostic Costs: (Wellness Plus Plan)

CFA Pet Healthcare Plan

We reimburse all diagnostic costs regardless of the diagnosed condition, even if we don't cover the condition.
   

Our Competition

Most of our competitors will not reimburse diagnostic costs for conditions they do not cover.

Ligament Tears (ACL): (Wellness Plus Plan)

CFA Pet Healthcare Plan

We cover diagnostics for liagment tears or ruptures and don't have limits on the number of ligament tears. Your pet is covered from day one of your policy.
   

Our Competition

Most of our competitors have strong restrictions on coverage for initial and subsequent ligament tears and bilateral tears. Many also do not cover ligament tears at all until the second year of your policy.

Category Limits and Benefit Schedules: (ALL Plans)

CFA Pet Healthcare Plan

We offer straight forward dollar limit amounts for per incident and for policy maximum limits.
   

Our Competition

Most of our competitors use deceptive incident category dollar limits and case maximum dollar amounts for specific types of conditions. For example, a competitor may have a $5000 yearly limit for injuries, but only a $1500 yearly limit specifically covering spinal injury treatment.

Waiting Period: (ALL Plans)

CFA Pet Healthcare Plan

We have no waiting period for accident and injury coverage - your pet is covered starting on day one (1).
   

Our Competition

Virtually no other provider covers accidents and injuries from day one (1).

Continuous Coverage/Pre-existing Conditions: (ALL Plans)

CFA Pet Healthcare Plan

An incident with multiple treatments can span an unlimited number of policy terms - we continue to reimburse you based on the original incident and will not treat the condition as pre-existing even though the policy has renewed.
   

Our Competition

Many of our competitors will not reimburse treatments that are for an incident from a prevous policy term because they consider an incident from a previous policy term as pre-existing!

Add up what you would normally spend (or expect to spend) on your pet's preventive care over a year. Then you can see how much value you would receive from the CFA Wellness Plus Plan. Once you have met your Wellness Plan's annual deductible of $125, we reimburse 80% of eligible charges and this Plan includes a spay or neuter benefit in addition to an annual dental cleaning. The monthly payment option allows you to spread your pet's routine health care costs over the year and you also have insurance benefits for accidents and illnesses that you may also need one day.

Which pets are eligible?

  • Any cat or dog under the age of 9 years at enrollment, as long as cats are at least 10 weeks old and dogs are at least 8 weeks old. Once enrolled, coverage may be continued for older pets.
  • All breeds, whether purebred or mixed breed, registered or unregistered.

What treatments are covered for eligible accidents and illnesses?

  • Veterinary Treatment & Surgical Procedures
  • Prescription Medications
  • Diagnostic & Laboratory Tests
  • X-Rays, CT Scans and MRIs
  • Cancer Coverage
  • Hospitalization
  • Specialist & Emergency Visits

What preventive care costs are eligible?

  • Annual Physical Exam
  • Annual Dental Cleaning
  • Flea & Tick Control - 12 months
  • Heartworm Testing & Prevention - 12 months
  • De-worming and Fecal Exam
  • Vaccinations & Boosters
  • Vaccine Titers (in place of Vaccinations)
  • Spay/Neuter Procedures

What extra care is provided?

  • Boarding fees if owner is hospitalized
  • Expanded Diagnostic Testing
  • Expanded Ligament Coverage

What are the coverage limits?

  • Up to $13,000 maximum per policy limit, $5,000 per incident
  • $125 annual deductible, 20% co-insurance

Add up what you would normally spend (or expect to spend) on your pet's preventive care over a year. Once you have met your Wellness Plan's annual deductible of $125, we reimburse 80% of eligible charges -- we believe it is the richest wellness plan on the market today. What's more, if you select our monthly payment option, it's a great way of spreading your pet's health care costs over the year -- and you also have insurance benefits for accidents and illnesses that you may also need one day.

Which pets are eligible?

  • Any cat or dog under the age of 9 years at enrollment, as long as cats are at least 10 weeks old and dogs are at least 8 weeks old. Once enrolled, coverage may be continued for older pets.
  • All breeds, whether purebred or mixed breed, registered or unregistered.

What treatments are covered for eligible accidents and illnesses?

  • Veterinary Treatment & Surgical Procedures
  • Prescription Medications
  • Diagnostic & Laboratory Tests
  • X-Rays, CT Scans and MRIs
  • Cancer Coverage
  • Hospitalization
  • Specialist & Emergency Visits

What preventive care costs are eligible?

  • Annual Physical Exam
  • Annual Dental Cleaning
  • Flea & Tick Control - 12 months
  • Heartworm Testing & Prevention - 12 months
  • De-worming and Fecal Exam
  • Vaccinations & Boosters

What are the coverage limits?

  • Up to $13,000 maximum per policy limit, $5,000 per incident
  • $125 annual deductible, 20% co-insurance

Which pets are eligible?

  • Any cat or dog under the age of 9 years at enrollment, as long as cats are at least 10 weeks old and dogs are at least 8 weeks old. Once enrolled, coverage may be continued for older pets.
  • All breeds, whether purebred or mixed breed, registered or unregistered.

What treatments are covered for eligible accidents and illnesses?

  • Veterinary Treatment & Surgical Procedures
  • Prescription Medications
  • Hospitalization
  • Specialist & Emergency Visits
  • Diagnostic & Laboratory Tests
  • X-Rays, CT Scans and MRIs
  • Cancer Coverage

What are the coverage limits?

  • Up to $11,000 maximum per policy limit, $3,000 per incident
  • $125 annual deductible, 20% co-insurance

Which pets are eligible?

  • Any cat or dog under the age of 9 years at enrollment, as long as cats are at least 10 weeks old and dogs are at least 8 weeks old. Once enrolled, coverage may be continued for older pets.
  • All breeds, whether purebred or mixed breed, registered or unregistered.

What treatments are covered for eligible accidents and illnesses?

  • Veterinary Treatment & Surgical Procedures
  • Prescription Medications
  • Diagnostic & Laboratory Tests
  • X-Rays, CT Scans and MRIs
  • Cancer Coverage
  • Hospitalization
  • Specialist & Emergency Visits

What are the coverage limits?

  • Up to $11,000 maximum per policy limit, $1,500 per incident
  • $125 per incident deductible, 10% co-insurance

Pets get into scrapes, their curious natures lead them into trouble and things just happen to them despite the best of intentions. Examples include bite wounds, bee stings, snake and insect bites, poisoning, burns and even 'hit by a car' accidents -- all of these are common types of claims from our CFA policy holders.

Which pets are eligible?

  • Any cat or dog, as long as cats are at least 10 weeks old and dogs are at least 8 weeks old. There is no upper age limit
  • All breeds, whether purebred or mixed breed, registered or unregistered.

What accidents and injuries are eligible for coverage?

  • Motor Vehicle/Hit by Car accidents
  • Bone Fractures
  • Poison Ingestion
  • Foreign Body Ingestion surgery or endoscopy
  • Lacerations and Bite Wounds
  • Burns
  • Insect Bite and Snake Bite allergic reactions
  • Accidental Choking or Drowning
  • Head Trauma

What treatment is covered?

  • Veterinary Services & Surgical Procedures
  • Prescription Medications
  • Diagnostic & Laboratory Tests
  • X-Rays, CT Scans and MRIs
  • Hospitalization
  • Emergency Visits
  • Specialist Visits

What are the coverage limits?

  • Up to $8,000 maximum per policy limit, $2,000 per incident
  • $75 per incident deductible, 10% co-insurance
  • Coverage starts on Day 1 for the accidents listed above