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AKC Pet Insurance Review

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Founded in 1884, the American Kennel Club is one the oldest not-for-profit dog registration organization in the US. In 2002, the AKC began offering nationwide, highly customizable insurance policies for dogs and cats that are underwritten by Independence American Insurance Company and administered by PetPartners, Inc. The American Kennel Club and PetPartners are located in Raleigh, North Carolina.
 
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How is AKC rated?

Breakdown

4.0/5
Coverage
4.0/5
Cost
4.0/5
Extras

Overall Rating: 4 / 5 (Very good)

The American Kennel Club was founded in 1884 with the mission of advancing canine health and, as the oldest such organization in the US, is one of the best-known and well-respected pet authorities. The organization offers pet insurance plans through its partnership with PetPartners.

Policies offered by AKC Pet Insurance, which are underwritten by Independence American Insurance Company, provide pet owners with tremendous flexibility in policy purchase by separating coverages that some companies bundle in all of their policies and by offering a wide range of deductible and co-pay options and customizable coverage limits.

The coverage you purchase through AKC permits you to see any veterinarian you wish. The company uses a usual and customary fee model for reimbursement and bases fees on average costs in your zip code. If you live in an expensive city, that's an advantage AKC plans offer over plans that base their reimbursement on national averages.

AKC Coverage

Coverage - 4 / 5

Pet owners have many choices to make when they purchase AKC Pet Insurance. Policies can be designed "a la carte" so you can choose the type of coverage you need. For example, congenital and hereditary conditions are not covered under AKC's standard plan, but can be added as an optional benefit. The same is true of alternative and behavioral treatment, which are standard in many other pet insurance plans.

The types of services covered by AKC Pet Insurance are in line with plans offered by most competitors. These include diagnostic procedures, emergency care, surgery, hospitalization, and prescription medication. Emergency ambulance transport is also included in all plans.
Pets Covered
Dogs
Cats
Coverage Types
Medical
Wellness
Vet Selection
Unrestricted
Out-of-State Coverage
Yes

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care

Benefit Limits

Benefit Limits - 4 / 5

AKC offers you the flexibility to choose the benefit limits that make sense for you and your pet. You can save money by selecting annual coverage limits as low as $2500 or choose an unlimited benefits plan to be sure your pet is covered for complex treatment that may save his or her life.
Benefit Limit Types
Annual
Unlimited

Reimbursement & Deductibles

Reimbursement - 4 / 5

AKC Pet Insurance reimburses claims based on a usual and customary fee basis. These fees are based on your zip code and are subject to the co-pay you select. You have a choice of co-pays: 10%, 20%, or 30%.
Reimbursement Model
Usual & Customary

Deductibles - 4 / 5

AKC Pet Insurance allows you to customize your deductible to suit your pets' needs and your budget. You can elect deductibles ranging from $100 to $1000.
Deductible Type
Annual
Per Condition Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$1,000

Pricing: How much does AKC cost?

Cost - 4 / 5

Because coverage is highly customizable under AKC Pet Insuranc plans, it's easy for pet owners to find a plan suitable for their budget. When we requested a quote using our standard coverage details—the least expensive plan for a Golden Retriever in California—the quote was considerably lower than the quotes we've received from other insurers.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$29.20
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$9.72
Rate Details: Annual Deductible: $1000, Benefits Cap $2500, Reimbursement Model: 70% of usual and customary cost
Available Discounts: AKC pet insurance offers a $5 per month multi-pet discount.

Enrollment & Waiting Periods

Enrollment - 4 / 5

AKC Pet Iinsurance is available for pets aged 8 weeks and older. The company does not state whether there is an upper age limit on insurable pets.
Min Enrollment Age
8 weeks
Accident Waiting Period
2 days
Illnesses Waiting Period
14 days
Free Look Period
30 days

Claims & Service

Extras - 4 / 5

Claim Form
Mail
Email
Fax
Online Portal

Contact & Additional Information

Homepage URL
https://akc.org
Headquarters Address
8051 Arco Corporate Drive, Suite 350, Raleigh, NC, 27617
Year Founded
2002

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Customer Comments & Reviews

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julia777

7/17/2021
My 2.5 year old dog required a stool analysis to determine the cause of a diarrhea outbreak. I submitted the claim and it was denied due to the diagnosis of isosproa. This is a parasite that normally puppies get, and adult dogs throw off. Apparently, my dog had a weakened immune system due to an ear infection the month earlier, and also the stress of being a kennel daycare with a lot of other dogs for over 2 weeks, (while retaining walls were being constructed in our fenced back yard). I was shocked to discover that this vet invoice was not applied to the deductible. I was told that the decision of payment/deductible application is ultimately based on the diagnosis, and... Read More

J
Johanna

6/18/2021
Thieves who do not pay claims owed. I purchased an annual policy for my 9 week old puppy on 2/10/21 to go into effect on 2/11/21 to 2/11/22 to include: companion care, exam plus, hereditary plus, defender, alternative plus. They were giving away one month free companion care which I did not want or ask for. My payment on 2/10/21 was $96.49 because of the free one month of companion care. Each month thereafter I paid $104.54. There is a 30 day waiting period for the hereditary and defender coverage. My puppy went for his 16 week shots on 3/13/21 and the vet noticed he was developing an underbite. Long story short, it’s a hereditary issue and he needed dental surgery to the tune of $4354.50.... Read More

Top Rated
  • 25% discount on all in-office medical care 
  • Pet wellness plans available
  • No age restrictions
  • Covers pre-existing and hereditary conditions
  • Discounts available immediately on sign-up
  • A+ BBB accredited company
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