OpenCMS Fix

Pet Insurance Quotes

Get FREE Quotes!

AKC Pet Insurance Overview

AKC Pet Insurance Logo

Average Price
$28 - 55/mo.
A.M. Best Rating A- (Excellent)
BBB Rating A
Customer Satisfaction NA
Total Reviews NA
Deductible $100 - 1,000
Reimbursement 80%
Annual Limit $1.5 - $10k
Per Incident Limit $3 - $16k
Waiting Period for Accidents 3 days
Waiting Period for Illnesses 14 days
Waiting Period for Orthopedic Coverage 14 days
Emergency Care
Cancer Coverage
Orthopedic Issues Excludes luxating patella and cruciate ligament damage
Hereditary Conditions Optional
Chronic Conditions
Prescription Meds
Cancer Coverage
Dental Care Accidents Only / Cleaning Optional
Wellness Coverage
Vet Restrictions None


  • Pet insurance companies do not cover pre-existing conditions.
  • AKC offers a 5% multi-pet discount


Coverage Options

Standard Coverage

AKC Pet Insurance offers two major medical plans. Both plans are limited because they exclude potential health issues such as luxating patella, cruciate ligaments, exam fees and congenital conditions. You can add an Exam Care endorsement and Inherited Plus plan to add congenital conditions coverage for an extra charge (details below).

And much like most pet insurance companies, AKC offers wellness care for an additional charge (details below).

Treatment CompanionSelectTM CompanionPlusTM
Labratory Tests
X-rays, Ultrasound, MRI/CAT Scans
Prescription Meds
Extractions of teeth
Illnesses -
Cancer Coverage -
Luxating Patella - -
Cruciate Ligaments - -
Congenital Conditions Optional Optional
Exam Fees Optional Optional
Wellness Care Optional Optional



For $6.58/mo. this endorsement provides coverage for the cost of exam fees to treat or diagnose a current covered illness or injury. This extended coverage does not provide coverage for annual wellness office visits because that is included in the wellness plans.


This endorsement provides coverage for congenital conditions for an additional charge.

Wellness Care

Here is an overview of all that's covered by AKC's wellness care plans.

Treatment Defender DefenderPlusTM
Price $0 $150
Spay/Neuter - Teeth Cleaning $15 $15
Rabies $50 $65
Flea/Tick Prevention $30 $30
Vaccination/Titer $30 $40
Wellness Exam $50 $50
Heartworm test or FELV screen $25 $30
Blood, fecal, parasite exam $50 $70
Microchip $20 $40
Urinalysis or ERD $15 $25
Deworming $20 $20
Total Annual Benefit $305 $535

Dig Deeper: Sample Plan


Plan Details

AKC's policy details are pretty standard with one exception. In addition to an annual limit, AKC has a per-incident limit, which can restrict what's paid out for a given health issue or treatment.

Annual Limit $1.5k - $10k
Per Incident Limit $3k - $16k
Annual Deductible $100 - $1,000
Reimbursement Rate 80%
Waiting Period - Accidents 3 days
Waiting Period - Illnesses 14 days
Waiting Period - Orthopedic 14 days
Minimum Age 8 weeks for dogs, 10 weeks cats*
Maximum Age 9 years old*
Trial Period 30 days

* Pets of any age can enroll in AKC's accident only plan


Business Overview


Location Raleigh, North Carolina
Phone 1-866-725-2747
Underwriter American Pet Insurance Company or Independence American Insurance Company (varies by state)
A.M. Best Rating A- (Excellent)
Legal Name PetPartners, Inc.


a. Illness regardless of cause - covered under CompanionPlus base plan.

b. Veterinary exams, unless you purchase our ExamCare endorsement.

c. Inherited and congenital conditions - covered under InheritedPlus endorsement.

d. Pre-existing conditions.

e. Treatment for cruciate ligament related conditions. This includes any associated meniscal injury or another condition secondary to cruciate ligament injury, tear or rupture.

f. Treatments or diagnosis of an injury, or service excluded by the policy as well as secondary complications from such excluded injury, or service.

g. Intentional, neglectful, or preventable acts, caused by you or a member of your household, that result in injury to your pet(s).

h. Elective, cosmetic, grooming, bathing and nail clipping, necropsy.

i. Fees to diagnose or treat any injury related to breeding, pregnancy, whelping, and nursing.

j. The cost to spay or neuter your pet(s) regardless of the reason - covered under DefenderPlus endorsement.

k. Preventive care including but not limited to wellness exams, flea control, worm medication, vaccinations and dental care - wellness exams, vaccinations and teeth cleaning covered by DefenderPlus endorsement.

l. All diets, pet(s) food, vitamins and nutritional supplements, whether prescribed or not. PetPartners, Inc. PO Box 37940 Raleigh, NC 27627-7940 PPI-CSELECT-TC-004 (04/2014) Underwritten by American Pet Insurance Company Page 2

m. Alternative treatments including but not limited to holistic, acupuncture, chiropractic, herbal and homeopathic. (Laser therapy, hydro-therapy and physical therapy are not considered alternative treatments and therefore covered expenses).

n. Any diagnostics or treatment associated with anal glands.

o. More than one injury per coverage period arising from a repetitive and specific activity or similar activity that has previously occurred and displayed the propensity for this activity to happen again and cause injury to your pet(s). (Examples include but are not limited to: foreign body ingestion, dog fights, and toxin ingestion)

p. Diagnostics or treatment for internal or external parasites including but not limited to fleas, heartworms, and roundworms.

q. Injuries caused by your pet(s) being attacked or attacking another pet(s) in your household.

r. Experimental, investigational treatment, organ and tissue transplants, or prosthesis.

s. Sales tax, medical waste, veterinary administrative, shipping and postage fees.

t. House calls, travel time, boarding and/or transportation.

u. Treatment or diagnostics related to behavior.

v. Any conditions related to teeth including but not limited to gingivitis, periodontal disease, root canals, caps and crowns, vital pulpotomies, deciduous teeth, diseased or abscessed teeth (except medically necessary extractions for permanent broken teeth due to an accident).

w. Conditions resulting from activities related to training or participating in track or sled racing, guard security, working, or organized fighting.

x. Injury caused directly or indirectly by: a) enemy attack by armed forces, with or without a state of war, including actions taken in resisting the attack; b) insurrection; c) rebellion; d) revolution; e) invasion; f) civil war; g) illegal acts; h) usurped power; i) nuclear radioactive contamination; j) pandemic conditions.

y. The cost of treatment or diagnostics for bilateral conditions presenting on one side of the body, if that condition was a pre-existing condition on the other side of the body.

z. Luxating Patella

Compare AKC

Related Content





Common Pet Health Problems

Get FREE Quotes! BBB Business Review

We’ve generated over 1 million quotes and sold thousands of plans.
About Us

Magruff's Story

“Our pet insurance plan saved us $4,300 when our dog Magruff needed hip surgery.” - Lou & Kim
Pet Insurance Reviews

Why Use Us?

  • Compare all 12 companies
  • Save 25% by comparing rates
  • Fast, free and 100% independent

See How We Can Help

Pet Insurance?

Pet insurance pays up to 90% for veterinary treatment when your dog or cat gets sick or injured.

Learn More

Compare Plans & Prices From the Top Companies

Healthy Paws Pet Insurance ASPCA Petplan Pet Insurance Pets Best Insurance

Embrace Pet Insurance Nationwide Trupanion FIGO