AKC pet insurance offers customizable coverage with some restrictions

From Yahoo Finance: 2025-06-18 17:44:00

AKC pet insurance has a rating of 1.7 out of 5 stars. It covers preexisting conditions after 365 days of continuous coverage, but lacks robust coverage in the base policy. Add-ons are required for hereditary and congenital conditions, with high average costs. The policy does not cover certain expenses like grooming or elective cosmetic procedures.

Pros of AKC pet insurance include wide deductible choices, coverage for alternative therapies, breeding coverage, and emergency pet ambulance transportation. Cons include high average costs and add-ons required for coverage of vet exam fees, hereditary conditions, and more. AKC offers different annual maximum limits, deductible choices, and reimbursement options.

AKC’s accident and illness policy covers diagnostics, surgery, alternative therapies, and more. Add-ons for coverage include vet exam fees, hereditary conditions, end-of-life expenses, and breeding-related expenses. The accident-only plan covers X-rays, lab tests, surgery, and hospitalization for accidental injuries. Two wellness plans are available with coverage for routine care costs.

AKC pet insurance covers preexisting conditions after 365 days of continuous coverage. It provides access to a 24/7 vet helpline but does not cover certain expenses like anal gland expression or elective cosmetic procedures. Claims can be filed within 180 days of treatment, with options for direct deposit of reimbursements.

AKC offers a 5% multi-pet discount and requires policyholders to pay their vet and file a claim for reimbursement. The mobile app allows for quick claim submissions and access to vet advice. Policy cancellations can be made at any time, with refunds calculated on a pro rata basis.

Read more: AKC pet insurance review 2025