AKC Pet Insurance

VISIT SITE
3.5

Highlight

  • Optional coverage for Hereditary or Congenital Conditions (HereditaryPlus), Exam Fees (ExamPlus), and Routine and Wellness Care (Defender/DefenderPlus).
  • No vet records or exam required to enroll.

Policy Coverage

  • Accidents, injuries + illnesses.
  • X-rays & ultrasound.
  • CT Scan & MRI.
  • Labwork.
  • Prescription medication.
  • Surgery.
  • Vitamins & supplements.
  • Alternative & holistic treatment.
  • Behavioral issues.
  • Hydrotherapy.
  • Physical therapy.
  • Emergency care.
  • Cancer.
  • Pet ambulance.
  • Hospitalization.

Exclusions

  • Ppre-existing conditions.
  • Hereditary or Congenital Conditions unless enrolled in HereditaryPlus.
  • Exam Fees (Unless enrolled in ExamPlus).
  • Routine and Wellness Care (Unless enrolled in Defender/DefenderPlus).
  • Costs related to breeding.
  • Elective or Cosmetic Procedures.

Other things to know...

  • Claims processing time: up to 30 days (Typically pays claims within 7 days).
  • 2 day waiting period for accidents.
  • 14-day waiting period for illnesses.
  • 30 days waiting period for hip dysplasia.
  • 6 months waiting period for IVDD and cruciate ligament related condition
  • No illness coverage for dogs enrolled after age 9.
  • Coverage for inherited/congenital conditions can be purchased additionally (HereditaryPlus).
  • Covers for exam can be purchased additionally (ExamPlus).
  • Coverage for Routine and Wellness Care can be purchased additionally (Defender/DefenderPlus).
  • $3-$4 transaction fee (depending on state), highest in the pet insurance space.