AKC Pet Insurance

AKC Pet Insurance will not pay for costs associated with or resulting from the following:

• Pre-Existing Conditions

• Bilateral Conditions

• IVDD (Intervertebral Disc Disease)

• Physical Examinations

  • Including costs and/or fees.

• Intentional, Neglectful, or Preventable Acts

• Elective Procedures and Services

  • Including cosmetic, grooming, bathing, and nail clipping, also includes any Illness or Injury that results from these services.

• Tooth Conditions

  • Including but not limited to gingivitis, periodontal disease, root canals, caps and crowns, vital pulpotomies, deciduous teeth, diseased and abscessed teeth (except when medically necessary).

  • The cost of dental cleaning.

• Preventative Care

  • Including, but not limited to, wellness exams, preventative Treatment, vaccinations, flea control, and other parasite prevention.

  • Spaying or neutering (including preventative sterilization surgery, such as for Treatment for cryptorchidism, chimerism, or chromosomal abnormalities).

• Diets and Pet Food

  • Whether prescribed or not. This does not include a prescription diet used as the sole treatment for a covered condition.

• Excluded Treatment

  • Treatment for obesity or being overweight, if not due to an underlying medical condition. Anal gland expression. This does not include Prescription Medication and surgical Treatment for anal gland infection.

  • Treatment that has been pre-paid but not yet performed.

  • Treatments or diagnostics of an Illness, Injury or service excluded by the policy.

• Congenital and Inherited Conditions

  • Including Elbow Dysplasia, Hip Dysplasia, OCD (Osteochondritis Dissecans) Osteoarthritis, Spondylosis, Luxating Patella, and Diabetes.

• Other Exclusions

  • Necropsy, cremation, and urns.

  • Cost of treatment for any illness or Injury arising from deciding not to follow your veterinarian’s advice. Veterinary package discount cost, sales tax, medical waste fees, veterinary administrative, shipping, and postage fees.

  • House calls, travel time, boarding, and/or transportation. Conditions resulting from activities related to training or participating in track or sled racing, guard security, law enforcement, working or organized fighting.

  • Fees to diagnose or treat any Illness or Injury related to breeding, pregnancy, whelping, and nursing.

  • Experimental, investigational Treatment, organ and tissue transplants or prostheses.

  • Air ambulance and non-emergency pet ambulance transportation.

  • Illness or Injury caused by an enemy attack by armed forces, with or without a state of war, insurrection, nuclear radioactive contamination, pandemic conditions, strikes, riots, avian or swine influenza.