AKC Pet Insurance Reviews 2022 – Plans, Ratings & Alternatives


Best For

Customizable Coverage With a Wide Variety of Add-on Options


  • Free 30-day pet insurance upon registration
  • 5% multi-pet discounts on each enrolled pet
  • Travel coverage within the US and Canada


  • No illness insurance coverage for dogs over 9 years of age
  • 14-day waiting period for illness coverage and 2 days for accident
  • Hereditary and congenital conditions covered additionally

Founded in 2002, AKC Pet Insurance is one of the top pet insurance companies in the United States. IHC Group, known for its excellent financial strength rating, acquired it in 2017, which further adds to the reliability of AKC Pet Insurance. The company has been serving as the exclusive pet insurance service provider for the American Kennel Club since 2003.

AKC Pet Insurance’s mission is to advance the well-being of our furry friends. Its services and operations span across all 50 states, providing comprehensive and affordable pet insurance packages for cats and dogs, appreciated by many customers as seen from the numerous positive AKC Pet Insurance reviews.

It offers base plans with accident and illness coverage as well as add-ons like:

  • regular & wellness examinations
  • hereditary & congenital conditions

AKC Pet Insurance Coverage

Does AKC Pet Insurance cover prescriptions? Does it cover vaccinations or vet checkups? This and other questions matter to pet owners.

So, let’s see what AKC insurance covers. AKC’s base plan offers accident and illness coverage that focuses on eliminating the additional stress of veterinary bills in case of injury or unexpected illness.

Covered conditions include:

  • Hypothyroidism
  • Allergies
  • Toxin ingestion
  • Digestive issues
  • Cancer
  • ACL Injury
  • Broken bones
  • Intervertebral disc disease (IVDD)
  • Urinary tract infections (UTI)

The following diagnostic treatments performed at your specialty clinics, primary veterinarian care, and emergency hospitals are reimbursable:

  • X-ray and ultrasound
  • Prescription medications
  • Emergency care
  • Laboratory tests
  • Hospitalization
  • Physical therapy
  • Surgery
  • CT scan and MRI

AKC can provide your dog or cat with various insurance coverage options. You can choose the CompanionCare option and build your own package. After all, you know your pet best and will know what options you need. You can even tailor the coverage plan according to your budget and enjoy various benefits, including:

  • Holistic and alternative care coverage
  • Vitamins and supplements
  • Unlimited annual maximum
  • Behavioral problem coverage
  • No per-incident limits

If you opt for CompanionCare, you get upgraded to the alternate plus package that includes various other benefits:

  • alternative, holistic and behavioral therapy for dogs and cats suffering from anxiety, excessive licking, pulling, and other behavioral issues
  • acupuncture, chiropractic treatment, vitamins, and supplements as well as herbal therapy

The CompanionCare package allows you to choose your own deductible, annual limit, and coinsurance.

However, if you don’t want to undertake the hassle of planning your own package but need more than the basic Accident and Illness coverage, then you can opt for CompanionCare Lite. It offers comprehensive coverage at an affordable price.
There are also different add-ons that you can choose to expand the coverage you receive.

Hereditary and Congenital Coverage

Different pet insurance providers cover different things in their accident and illness plans. So bear in mind that not all conditions fall under the accident or illness category as defined by the company. Various chronic and hereditary conditions that your pet might need treatment for are covered under the Hereditary coverage plan. Hereditary and congenital conditions include:

  • Heart disease
  • Hip dysplasia
  • Arthritis
  • Spondylosis
  • Eye disorders
  • Diabetes
  • Elbow dysplasia
  • Luxating patella

Exam Coverage

Visits to the vet are not covered in the accident and illness package. If you want to include them, you can opt for the exam coverage add-on which provides reimbursements for vet visits to primary vet care, emergency hospitals, and specialty clinics for covered conditions.

Wellness Coverage

Do you want coverage for wellness checkups and routine preventive care expenses? Or are you wondering, does AKC Pet Insurance cover spaying? If so, then you can opt for the Defender or DefenderPlus wellness coverage plans.
The Defender plan includes:

  • Wellness exam
  • Microchip
  • Urinalysis or ERD
  • De-worming
  • Spaying/Neutering
  • Rabies

The DefenderPlus plan additionally includes:

  • Heartworm test or FeLV screening
  • Blood, fecal, and parasite exam
  • Vaccinations and titers
  • Flea, tick, and heartworm prevention
  • Teeth cleaning

Final Respects

Our pets are our family members, and it is only natural to want to bid them adieu properly when the time comes. With the Final Respects coverage option, you can get reimbursements for:

  • Cremation
  • Burial
  • Urns
  • Memorials

Extra Benefits

Besides offering AKC pet medical insurance plans, the company also offers a breeding support program. Its 24/7 vet helpline is another attractive feature that proves incredibly beneficial during emergencies. What truly makes it one of the best pet insurance companies is the flexibility it offers in terms of coverage and price plans.

Pricing Plans

One of the things highlighted in many AKC Pet Insurance reviews is that AKC offers pet owners a lot more flexibility when it comes to insurance plans. You can opt for basic care packages or customize your plan to include a variety of services that cover your pet’s needs.

You choose the package, add in the breed, age, and location of your pet, and request a quote. The cost of your plan is calculated based on the options you select.

The packages are all very affordable, and the cheapest one starts at $10 per month, which provides basic accident and illness coverage. You can opt for a customizable plan, taking into account your needs and budget.

The primary coverage package includes:

  • $100 Deductible
  • $500 Incident Limit
  • 20% Coinsurance

You can opt for different add-ons like Wellness, Exam, and Hereditary coverage, which can increase the annual deductible to $100 per month or more.
You can also choose from a wide range of reimbursement levels, ranging from 70% to 90%. Your annual coverage limit can start from $2500 to unlimited.

AKC Pet Insurance Exclusions & Limitations

Though most AKC pet health insurance reviews agree that the company provides extensive coverage, there are specific exclusions and limitations in the base Accident and Illness coverage:

  • Pre-existing conditions are not covered
  • It does not include wellness and routine care unless you opt for additional wellness coverage
  • Wellness coverage only applies to vet visits for covered conditions
  • Hereditary and congenital conditions are not covered unless you choose the Hereditary add-on coverage
  • You can only enroll your dog for hereditary and congenital coverage before the age of 2

Claims & Repayment

Claims and reimbursement policies are often the focal points of discussion in pet insurance reviews. As per the company’s website, all claims are processed within 3 to 5 days. However, according to customer feedback, the processing of claims takes an average of 7 days.

You must also file all claims within 180 days of the incident and make sure that all information in the claim application is correct. The smallest of mistakes can lead to substantial delays.

However, there are a few best features that AKC Pet Insurance offers. You can include multiple veterinary visits in one claim form, and they will all be processed together.

You can also apply for reimbursement even after your policy tenure ends as long as the date of incurred expenses falls within the period covered by the policy.

There is no claim limit, and you can also file a claim for a veterinary visit bill that is less than the deductible. What is even better is how simple the claim filing process is, even for those who aren’t tech-savvy.

How Does AKC Pet Insurance Reimbursement Work?

Step 1: Visit the Policyholders section on the company’s website, choose the “File a Claim” page, and download the claim form.

Step 2: Fill it out and attach all relevant invoices to it.

Step 3: Then you can scan it and send it via email, fax, or by postal mail.

AKC makes all reimbursements via check and includes an explanation of benefits. All checks are delivered via email, which is why AKC requests its clients to update their contact information regularly.

Waiting Periods

Many pet owners wonder how long their claim payout waiting period will be. Since AKC pet insurance plans are customizable, and each package covers different costs, the waiting periods for each are different.

  • A 14-day waiting period for illness claims
  • A 2-day waiting period for accident claims
  • 180 days or a 6-month waiting period for cranial cruciate ligament (CCL) injury
  • All wellness and examination coverage are subject to waiting periods depending on the condition covered
  • Hereditary and congenital claims are subject to a 30-day waiting period


A deductible is an annual amount that the policyholder must pay for each pet before the company pays the covered charges. All policies offered by AKC feature a yearly deductible that the client must meet before they can receive reimbursement from the company.

Customer Service

AKC Pet Insurance customer reviews indicate that the company has a pretty good response time. They are available via phone call and chat Monday to Friday from 8:30 am to 8:00 pm and on Saturday from 10:00 am to 3:00 pm. They’re unavailable on Sunday.
Some AKC Pet Insurance customer reviews also applaud AKC’s customer service for being extremely patient with clients. Obtaining insurance is tricky as it is, and when you are striving to get the best deal for your pet, it is only natural to want all the information you can get.
They also have a 24/7 vet helpline for emergencies, and you can always contact them via email or by post.

Pros Cons
Free 30-day pet insurance coverage upon registration with AKC 14-day waiting period for illness coverage and 2 days waiting period for accident coverage plans
5% multi-pet discounts on each pet you enroll Hereditary and congenital conditions must be purchased additionally
AKC offers travel coverage for trips within the United States and to Canada Hip dysplasia, hereditary, and congenital coverage for dogs enrolled after 2 years of age is not available
Holds an A+ rating and is accredited by the BBB It does not cover pre-existing conditions
A- financial strength rating by AM Best Wellness visits to the vet are not covered even via additional exam coverage
You can customize your insurance plan

AKC Pet Insurance Reviews & Ratings

What Do People Think About AKC Pet Insurance?

Testimonials and customer feedback are the way to judge a company, and as is usual with most major companies, there are mixed reviews available on the internet for AKC Pet Insurance.
AKC Pet Insurance has some negative reviews consisting of complaints about claim reimbursement and response delays.
The positive reviews applaud the company’s customer service and extensive coverage. Many customers really appreciate the 30-day free trial.

Why AKC Pet Insurance?

One size does not fit all, and AKC Pet Insurance recognizes that. They also understand the monetary limitations many pet owners face. Naturally, different AKC Pet Insurance reviews give various opinions about the company and its services, but if you evaluate AKC Pet Insurance based on the most helpful reviews, it is easy to see the company’s dedication to providing the best service.
AKC pet insurance plans are customizable, giving you the option to have them as comprehensive as possible and yet affordable. They are dedicated to catering to individual needs, making them one of the top pet insurance companies to consider when searching for the right option for your pet.


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