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AKC vs. PetFirst Pet Insurance

Here is a quick, side-by-side comparison of AKC and PetFirst Pet Insurance to help you decide between the two.

 AKC Pet Insurance
PetFirst Pet Insurance
Average Price

$28 - 55/mo.


$33 - 61/mo.


A.M. Best Rating A- (Excellent) A+
BBB Rating A A+
Customer Satisfaction NA NA
Total Reviews NA NA
Deductible $100 - 1,000
$50 - 500
Reimbursement 80% 70 - 90%
Annual Limit $1.5k - 10k
$1k - 10k
Per Incident Limit $3k - 16k None
Company Profile AKC Overview PetFirst Overview
Waiting Period for Accidents 3 days 14 days
Waiting Period for Illnesses 14 days 14 days
Waiting Period for Orthopedic Coverage 14 days
12 mos. for cruciate ligaments
Emergency Care
Cancer Coverage
Orthopedic Issues Excludes luxating patella and cruciate ligament damage
Hereditary Conditions Optional
Chronic Conditions
Prescription Meds
Cancer Coverage
Dental - Accidents
Wellness Coverage
Optional Optional
Vet Restrictions None None


Pet insurance companies do not cover pre-existing conditions


Bottom Line

Both companies offer accident and illness coverage with the option to add wellness and routine care. An important consideration is that AKC has an annual deductible and PetFirst has a per-incident deductible, which is applies each time your pet has a health issue. Another consideration is that AKC has some notable exclusions. The most notable are congenital issues, luxating patellas, cruciate ligament tears and congenital conditions.

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