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AKC Pet Insurance


AKC Pet Insurance

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Company Profile

  • Year Founded: 2002
  • Underwriter: American Pet Insurance Company (No Rating)
  • Headquarters: Raleigh, North Carolina
  • Leadership: Steve Popovich
  • Legal Name: PetPartners, Inc.
  • Other Brands: CFA Pet Insurance

Plan Highlights

  • Dog Insurance & Cat Insurance Available? Yes
  • Customizable Deductible & Co-Payment? No
  • Per Incident Deductible? No
  • Annual Deductible? Yes
  • Hereditary & Congenital Coverage Available? No
  • Wellness & Routine Care Coverage Available? Yes
  • Alternative Therapies Coverage Available? No
  • Pre-Existing Conditions Coverage? No
  • Benefit Schedule? No
  • Per Incident Limit? $5,000
  • Annual Benefit Limit? $13,000
  • Lifetime Benefit Limit? None
  • Minimum Age for Coverage: 8 weeks
  • Maximum Age for Coverage: 9 years for dogs and cats
  • Cruciate Ligament & Orthopedic Policy: No waiting period, congenital conditions such as elbow dysplasia, hip dysplasia and luxating patella are not covered
  • Policy Exclusions: See below for a full list of policy and coverage exclusions
  • Waiting Period: No wait for accidents or wellness coverage, 30 days for illnesses
  • Claims Reimbursement: 15 days
  • Multiple Pet Discount: 5%
  • Vet Policy: Use any licensed veterinarian in the U.S.
  • Phone: 1-866-725-2747
  • Hours of Operation: Mon - Fri:  8:30 am - 8:30 pm EST, Sat: 10:00 am - 3:00 pm EST
  • Trial Offer: 30 days, 60 days for AKC members

Coverage Highlights

  • AKC Pet Healthcare provides both cat and dog insurance policies
  • Minimum co-payment of 10% (Accident Plus and Essential Plans)
  • AKC Pet Healthcare provides five different insurance plans:

  • Accident Plus (any age)
    • Veterinary treatment and surgeries
    • Prescription medications
    • Hospitalization
    • MRI, Cat and X-ray
    • Lab tests
    • Emergency visits
    • Specialist visits
    • Maximum per incident $2,000
    • Maximum benefit/annual limit $8,000
    • Per incident deductible $75
    • Co-payment 10%

  • Essential (pet < 9 years old)
    • Veterinary treatment and surgeries
    • Prescription medications
    • Hospitalization
    • MRI, Cat and X-ray
    • Lab tests
    • Emergency visits
    • Specialist visits
    • Cancer coverage
    • Maximum per incident $1,500
    • Maximum benefit/annual limit $11,000
    • Per incident deductible $125
    • Co-payment 10%

  • Essential Plus (pet < 9 years old)
    • Veterinary treatment and surgeries
    • Prescription medications
    • Hospitalization
    • MRI, Cat and X-ray
    • Lab tests
    • Emergency visits
    • Specialist visits
    • Cancer coverage
    • Maximum per incident $3,000
    • Maximum benefit/annual limit $11,000
    • Annual deductible $125
    • Co-payment 20%

  • Wellness (pet < 9 years old)
    • Veterinary treatment and surgeries
    • Prescription medications
    • Hospitalization
    • MRI, Cat and X-ray
    • Lab tests
    • Emergency visits
    • Specialist visits
    • Cancer coverage
    • Annual physical exam
    • Annual dental cleaning
    • 12 months of flea and tick prevention
    • Heartworm testing and 12 months of prevention
    • Fecal exam and annual de-worming
    • Maximum per incident $5,000
    • Maximum benefit/lifetime limit $13,000
    • Annual deductible $125
    • Co-payment 20%

  • Wellness Plus (pet < 9 years old)
    • Veterinary treatment and surgeries
    • Prescription medications
    • Hospitalization
    • MRI, Cat and X-ray
    • Lab tests
    • Emergency visits
    • Specialist visits
    • Cancer coverage
    • Expanded diagnostic testing
    • Expanded ligament coverage
    • Annual physical exam
    • Annual dental cleaning
    • 12 months of flea and tick prevention
    • Heartworm testing and 12 months of prevention
    • Fecal exam and annual de-worming
    • Vaccinations and boosters
    • Spay/Neuter
    • Emergency boarding if owner is hospitalized
    • Maximum per incident $5,000
    • Maximum benefit/annual limit $13,000
    • Annual deductible $125
    • Minimum co-payment available is 10%

AKC's wellness program is available with two of their policy options. Based on our analysis of a mixed breed dog the cost is $44.92/month. Pet owners can use the plan after they reach the $125 annual deductible and then AKC will cover 80% of eligible costs, which are listed below.

 

Treatments that are Covered

  • 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


  • Policy Exclusions:
    • Pre-existing conditions - any disease, illness or injury which occurred or existed prior to the original effective date of the policy
    • Any illness in the first 30 days of coverage
    • Diagnostic tests and treatments for conditions excluded or limited by this policy and complications of conditions excluded or limited by this policy
    • Elective treatment - including but not limited to: vaccine titers, cosmetic dentistry, docking of tails, cropping of ears, microchips, removal of dewclaws, removal of eyelashes, declawing, or tenectomy that you choose to carry out that is not directly related to a current covered illness or injury.
    • Breeding and pregnancy
    • Grooming and nail clipping
    • Congenital/inherited conditions always excluded
    • Food, vitamins and nutritional supplements
    • Alternative medicine including holistic, herbal, homeopathic, acupuncture or chiropractic treatment

Reviews and Ratings

  • Overall Score: 70 / 100
  • A.M. Best: A+
  • Customers: 70%

Related Content

 
 
 
 

Common Pet Health Problems

 

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