AKC Pet Insurance Reviews

RUN!!! They do not reimburse !! Believe what others say… THIS IS A SCAM! If you have a dog that is older than 6 or 7 they will ONLY pay for accidents and wellness visits if you chose that option. I called because my dog had Pyelonephritis and needed hospitalization for treatment and they did not pay a dime. Not to mention my dog has never even had a UTI before. I was told because it wasn’t an accident that it wasn’t covered. I said well what exactly do you consider an accident. I was told that if my dog was hit by a car or had a bee sting then they would offer some reimbursement, but they do not pay for any type of illness whatsoever.

Hides behind extremely broad definition of pre-existing conditions. Claims pre-existing conditions despite condition never diagnosed or treated - simply because the vet explored a condition that was found inconclusive and inconsistent with clinical review by four vet specialists - still denied claims. Denied surgical intervention for a completely different condition that was discovered during same examination/test and they tied it, again, to a condition my dog never had. I would proceed with extreme caution before trusting AKC Pet Insurance.

I recently submitted a claim for my dog and it was rejected because he was over the age of ten. I signed up for this insurance online and never saw anything stating that! I called and was told that no one checks your application once you submit it! So I signed up for accident care $549.00 and defender plus for $336.00 ($921.92). I am infuriated that the money I paid them could have gone to groceries, medicine or whatever was needed! No stars for them!

I am struggling to get AKC pet insurance to pay a claim for treatment of kennel cough/pneumonia. The invoice and attached paperwork from the University of Georgia Veterinary Hospital clearly states my dog had pneumonia cause by kennel cough. 3 years of paying $41 per month and when I have a $712 legitimate claim they say it's due to a hereditary condition. So far these people appear to be scam artists. A call center evidently located in Asia and you can never talk directly to a supervisor. Find your pet insurance somewhere else.

Been trying for several days to get a claim submitted. Cannot access my online account. Have called three times and each time have gotten a foreigner that has absolutely done nothing to resolve my issue. It shouldn’t be this difficult! Locked out and unable to use a service I pay for. USELESS. Very disappointed.

Paid for insurance, under the impression that my coinsurance was 20%... Paid almost $1000.0 over this time period in premiums, My dog had surgery that cost $5000., Was reimbursed a whole $420.00.... Not even half of what my premiums were. Save your money and find insurance somewhere else.!!!

AKC Pet insurance is worthless! I took out the highest level of insurance on my Puppy that they offered online when I got him 10 months ago in case of anything major. My dog injured his knee while jumping over train tracks and also contracted lyme. They paid me 42 dollars for the tick preventive meds but refused my entire claim for over $700 stating that since I did not have hereditary in my policy, they would not cover it. SO the xrays, sedation, lyme testing, blood work, etc, you know the stuff I got insurance for was completely denied. Preexisting condition they say on a pup that never had an issue until he was injured.

I rate AKC 0. The company just takes your money & provides no services. They always need more information from the Vets then decline every procedure. The company is a fraud! Save your money. Make a donation to a pet shelter.

Worst company I have ever been with. If I could give 0 stars I would. They find every reason to deny every claim and have the worst customer service. My dog was sick so I took him to the vet and they will not cover his illness or his doctor visit. $400 lost and they are very rude to deal with.

Had an incident of sudden pain in our dog. Went to vet, got all the info the insurance would need to reimburse. No diagnoses from vet yet as they ordered a CT scan since they didn't know exactly what was going on and where the pain was coming from. AKC denied the claim saying it was due to IVDD which is an ILLNESS not an Accident! Not sure how they can diagnose MY dog, and IVDD is NOT an illness. She has never had any kind of back or neck issues before and she is 11 years old. If it is determined to be IVDD that is 100% an accident, since IVDD is due to AN ACCIDENT THAT INJURES THE SPINE!! So we have been paying for nearly 2 years, for NOTHING. AND so far with the CT scan and all visits are out over $1600 SO FAR! ZERO stars if that was a choice.

I received one month free insurance with registration of my new puppy. Before the policy lapsed I continued coverage and added to it (genetic coverage). My 16 week old puppy was playing in the yard on 3/29. My 130 lb GP stepped on him. He cried and began limping. I took him to my vet when they opened on the 31st. Xrays looked fine. Vet said soft tissue injury. We received a anti-inflammatory shot and went home. The claim was coded as soft tissue injury. The puppy was better in two days. Two weeks later has jumped of the bed and reinjured it. We went back to the vet. This time the vet said the x ray might be concerning and offered to refer me to a specialist to see if he needed any repair. This visit shows closed with no coverage.

We got our first dog and fell into the trap of getting AKC pet insurance instead of a more reputable brand. Our puppy had a severe illness a couple of months later, and not a single cent was reimbursed by the insurance plan - which was above and beyond the basic coverage at about $80/month. So, not only did we have expensive vet bills, but we just flushed nearly $500 down the drain for this “insurance plan.” Our vet clinic couldn’t believe the claims were denied. I am only writing this review to save others from the frustration and financial burden.

My family and I decided to bring a new little puppy into our family at the end of 2020. When we got him he came with a 30day trial for pet insurance (different company). I never had pet insurance on past pets and I went back and forth on if I should have pet insurance on our new puppy. I started doing research on different pet insurance companies and came across AKC Pet Insurance. I went ahead and bit the bullet and committed to purchasing a policy with AKC. Best decision I have ever made, they have been a lifesaver for me!

We got our beautiful golden retriever puppy in December 2020. In march 2021 - he accidentally swallowed an object and had to have surgery to remove it. We had signed up for AKC insurance and made sure that emergencies were covered. Little did we know they only cover up to $500 per incident (after deductible plus only %80 reimbursement so were getting like 300 bucks back) with absolutely NO option of changing that coverage online. There is ABSOLUTELY NO OPTION for changing the "per incident coverage" online and we had no idea.

We signed up for this when we registered our new puppy! Every claim we submitted came back with a code "D4". Pre-existing condition! 4 month old puppy! How could you have so many pre-existing conditions! Great way of refusing the claims! Go get a real insurance! Do not be fooled by this! NOT GOOD! What a shame!

We got our first dog and fell into the trap of getting AKC pet insurance instead of a more reputable brand. Our puppy had a severe illness a couple of months later, and not a single cent was reimbursed by the insurance plan - which was above and beyond the basic coverage at about $80/month. So, not only did we have expensive vet bills, but we just flushed nearly $500 down the drain for this “insurance plan.” Our vet clinic couldn’t believe the claims were denied. I am only writing this review to save others from the frustration and financial burden.

If AKC can find any reason to deny a properly submitted claim they will! You purchase a one year policy only to be told many of the more expensive conditions requiring extensive treatment/surgery require a 6 month waiting period, ie torn ACL which is rather common in big dogs. It doesn’t take 6 months to weed out preexisting conditions with any policy, particularly when trauma related. Paid for one year of coverage but my $3500 surgery bill was denied because it occurred at 4 months rather than in the 7th month. Doesn’t seem fair or just.

AKC has been the most difficult company to work with. Every time I have called in, they tell me I do not have anything covered and I need to add more things to my coverage. I have had them for a year and every time I add something, it doesn’t cover the next thing. Not only have I spent 1200$ on my dog out of pocket, I have had 0$ reimbursed. What have a been paying for? I would have rather have burned the money than given it to AKC.

If I could leave 0 stars, I would. Our 1 year old pup has had to have 2 total hip replacement surgeries and now a knee surgery all by a phenomenal specialist from Blue Pearl (5 stars for them). AKC did not and will not cover any of those ($20,000 when it's all said and done) even though we have the premium package and our fur babies are AKC Good Citizen Certified. They lead you on into thinking you are fully covered but then fill you in on a 30-180 day waiting period, hidden fees, etc. After the poor customer service displayed by the AKC staff, we ended up canceling our coverage and they offered a $50 reimbursement which yes was appreciated, but at the end of the day, not enough. We would do any and everything for our dogs but unfortunately I can't say the same about AKC. Save your money and find a different pet insurance company. Just sad.

Having an insurance for my pet is valuable. I used to have AKC and I enjoyed them when I used them. I already canceled them, but they were very helpful.

I've known about AKC for years. My experience with them has been great. I had gotten like a free 30-day and it had lapsed and thankfully, I was still in the grace period. I didn't realize that, but my mom had died and other things had been on my mind. AKC was very kind and let me go ahead and get my policy backdated with no lapse. I was impressed with the understanding and support.

I like my experience with AKC Pet Insurance. I called them to find out about the insurance and what to do. They were always polite, very nice, helpful, and understood what I was looking for. We have the wellness because my dog has a lot of issues. He had a torn ACL, which was 3,500 and I got 2,000 back. They cover a lot of the shots.

Everything’s been going good with AKC so far. I’m a little disappointed in part because of the reimbursements that I’ve been receiving. I have a top-of-the-notch insurance. I can’t pay any more. I have five pets, and I just don’t seem to be getting reimbursed like I used to when I had two Australian Shepherds. Now, I have three little Shelties and I’m not really pleased. I had been investigating other insurance companies. Sometimes I’ll submit a claim for maybe $500, and I might get like a $120 back. It’s not worth my while to have the insurance if that’s how my rates are going to be when I reimburse.

My experience with AKC Pet Insurance has not been real good. I feel I’m locked into it because of pre-existing conditions. My dog Cleopatra is an English mastiff, and she had surgery because of entropion. AKC said it was a pre-existing condition. That’s not necessarily true because she had conjunctivitis, and that could’ve caused it. Other companies would’ve covered it. Then at the daycare, she broke a tooth. It was accidentally broken, but AKC wouldn’t cover it. I went to a specialist, and the extraction and the root canal were almost the same amount of money. The specialist said that because it was a canine and she’s a mastiff, they could break her jaw. I was denied that, so I paid for the root canal. Now, my premium’s gone up almost $100 a month and with a $5,000 limit. I’m not recommending AKC to people. I’ve gone online, which I should have done in the first place, and I’m recommending two other companies.

Right after we got our Golden Retriever, she contracted something from some other dogs at a dog park and she was really sick. We took her to the doctor and the AKC health insurance really helped us a lot. It saved us quite a bit of money. The bill was gonna be like $2,400 and after the insurance, it only cost us $900. Then recently, my wife took our dog in for a hurt foot. We weren't able to file a claim ‘cause it wasn’t big enough but we had met the deductible. I’ve had VPI in the past with my other dog and AKC was better.

My vet had handed me the thing on AKC and it seemed like a reasonable deal to do it that way, and he’d given me something on it. They had a 30-day introductory deal on it, so it seemed like it was easy enough to say yes to and then do it later on. We had one claim about four months ago for some kind of a stomach issue and ran up a pretty hefty bill, and they handled it for us. I thought they were fair. The way they explained it was clear.

When we adopted a couple of dogs, I looked into AKC Pet Insurance as one of my options and decided to go ahead with them. We've had their policy for a little over two years now and so far, so good. My recent experience with them has been easy.

I registered my Lab and AKC Pet Insurance was part of the offer. It was just a trial and then I called three times, and then I subscribed over the phone, then went back online to verify. I've had it for two months now and I have a pending claim.

We got a purebred Bichon and we registered her with the AKC and then we got some information on the pet insurance. We went with AKC because it was convenient. They gave us one month of free pet insurance as well. The free month was up, so I extended it. Our experience with them was good. They’re very helpful. During that month, I had to submit a claim. Our Bichon has ear infections. She was scratching a lot and if we touched her ears, it was painful. We got the dog from a breeder when she was seven months old. Bichons grow hair in their ear and the breeder never cleaned that out. So, over time, after we got her, it became very infected, which we didn’t realize.

I searched pet insurance on Google and AKC was the first one to come up. I looked at what their policies included and it satisfied everything I needed. They had good ratings as well. I haven't had to use it so far but everything seems to be fine if I do need to use it. Everyone that I talked to has been very sweet with me.

When I got my dog, it was AKC registered but then when I went through the policy with them for submitting claims and went through the arbitration process with them to go back through the claims, it took months and months. Thereafter, they denied my claim. Now I've canceled my policy and I'm with Pets Best.

I've been using AKC Pet Insurance for 20 years. We go back three or four dogs with them. Our dog was a pedigree and it was recommended through AKC. However, the policy has gotten way too expensive at $99 a month. I'm not really happy. Still, everything has been fine thus far.

In signing up with AKC, I got the first 30 days free. I actually had an event during that period and submitted a claim. My thinking was if they responded to the claim and took care of it, I’d go ahead and continue the insurance, and if they didn’t, then they were not worth my time and I was not gonna do it. They responded and took care of the event even though it was like a free period, and I signed up with them.

AKC Pet Insurance was affiliated with AKC, and that was what we went through when we got our puppies. It was convenient. However, I cancelled the insurance policy. Once I kinda went through all the fine print with it, my biggest concern was knee injuries with the breed and knee surgeries weren’t covered under the policy. I’m okay with little things and small bills, but the knee surgery is like 3,500 bucks. So, if it wasn’t covered by the policy, there was no point in keeping it. Having pet insurance is valuable if it covers the right things that you need.

When I purchased my animal from the breeder, she told me about AKC Pet. I looked up a bunch of them and they had good insurance. I went with them but then I've had a lousy experience thus far. It took AKC four months to settle a claim. I submitted it and then they said that I had to send my animal's shot records. I did that and they sent me another thing that said I had to go to the vet and get a copy of the medical record. Thereafter, I haven't received a check from them. It wasn't even a $1,000 claim. It was only 50 or 60 bucks. It wasn't something that should have taken a whole lot of brainstorming to do especially when I'm paying a $100 a month for pet insurance.

I’m not particularly impressed with AKC right now. I have 3 very sick puppies from a litter and I’ve had a problem with the former breeder. When I called for their assistance, I was walked through with another process I knew nothing about and got no letters saying my puppies are now mine. They refused to register them that they’re now mine and if I ever do that again, they’re gonna sanction me.

I had AKC Pet Insurance for years with the previous dog. I got a puppy so it’s better off to have the insurance. I went with AKC Pet Insurance again because of the options that they had available for the prices. They’ve been extremely helpful. We had a mix-up with one of the claims where it was thought to be under a previous condition, and they reviewed it. They did everything that they needed to do and got in contact with the vet to realize that it was not a previous condition. The thoroughness of the company and then getting back in touch with me are appreciated.

These people dont care 1 bit about your babies! They are just like the rest of the insurance scams out there. Dont be fooled by the free 30 days coverage. It's a flat out lie! I thought they care and were trying to help me but no they tried every which was to deny my claim saying the waiting period was beyond the 12th bs. I was told by Peter that Adam said the waiting period from the 11th to the 12th was it and my baby would be cover the maximum of each incident up to $500. Then I was told it was up to $1500 per it seems over the weekend it changed to $2000 for whatever reason. They make up rules as they go...do not get scammed by this company along with AKC as they are just as incompetent as their pet insurance. Dont be fooled if you're not a breeder or if you are go with CKC! Amen!!

I had AKC Pet insurance for a while and then I deployed, and then it ended up getting cancelled. And then when I came back, I had to redo it. It was very easy to submit a claim especially with the online uploading thing. The customer service, whoever I spoke to two times, were also both really nice.

It’s been four years ago ever since I’ve had AKC insurance for my German Shepherd. I just send the claims in and they send me the money. The warranty has been valuable. They’ve been good to me.