AKC Pet Insurance
|Location||Raleigh, North Carolina|
|Underwriter||American Pet Insurance Company or Independence American Insurance Company (varies by state)|
|A.M. Best Rating||A- (Excellent)|
|Legal Name||PetPartners, Inc.|
AKC Pet Insurance is one of the highest rated pet insurance providers in the U.S.
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).
|X-rays, Ultrasound, MRI/CAT Scans||✔||✔|
|Extractions of teeth||✔||✔|
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.
Here is an overview of all that’s covered by AKC’s wellness care plans.
|Spay/Neuter – Teeth Cleaning||$15||$15|
|Heartworm test or FELV screen||$25||$30|
|Blood, fecal, parasite exam||$50||$70|
|Urinalysis or ERD||$15||$25|
|Total Annual Benefit||$305||$535|
Dig Deeper: Sample Plan
Pets of any age can enroll in AKC’s accident only plan
- Minimum age: 8 weeks old for puppies
- Minimum age: 10 weeks for kittens
- Maximum age: Pet must be less than 9 years old to at time of enrollment in order to be eligible for accident and illness coverage
- Pets of any age can enroll in AKC’s Accident Only Plan
CostThe average cost of a plan is $25-55/mo.
Costs vary by age, breed and zip code
Top 10 Dog Breeds
Top 10 Cat Breeds
AKC Pet Insurance is headquartered in Raleigh, North Carolina.
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
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