The American Kennel Club has something they call a healthcare plan but is also often referred to as the AKC Pet Insurance program. AKC is the largest purebred registry in the US and because of this their website state that they know and understand the concerns and needs of dog owners. This includes the financial burden it can be to have veterinary treatments, surgery and prescriptions for your dog. This is good and all but based on my experience with reviewing these pet insurance companies I’ll dig a little deeper into their website as well as do some research around the Internet to see what customers actually think of the AKC Pet Insurance.
AKC Pet Insurance Problems
One of the main problems when doing research on an insurance company like AKC is that you can read all you want on their website but you’ll be hard pressed to find anything negative about them because who would want to say something negative about themselves on their own website. Instead you can use their website as more of a fact sheet to see things like prices and different types of insurance plans and what each individual plan covers. For this AKC has created a page where you can see their six pet insurance plans put into a sheet for better comparison. What strikes me is that the six different plans (named 60-Day Trial, Accident Plus, Essential, Essential Plus, Wellness and Wellness Plus) seem to cover all the same things at first glance. My first thought was why they had created six different insurance plans if they were all the same? But scrolling down to the bottom of the sheet explains the differences.
Pet Insurance Plans
The first differences in the AKC Pet Insurance Plans are the amount they each cover named “maximum per policy term”. The trial package will only cover $1,500 while the wellness plans will cover $13,000. Quite a significant jump in coverage if you ask me! Each plan has several other more specific rules but I won’t go into those here as you’ll need to read the fine print before signing up with them anyway. One thing that you should notice though is that most plans will not cover dogs above the age of 9 years old. So if you’re a pet owner of an older dog and you don’t already have pet insurance you’ll probably have some difficulties finding one. Even outside the AKC Pet Insurance company.
Reviews of AKC Pet Insurance from customers
As with any insurance company you can find people that are happy with the company and people that are unhappy with it and that is a fact of life. But when going through the comments that people have made about AKC and the different options they provide there were a few things that kept appearing in their statements and I think that is an important point to bring up.
The first point was that when you’re in a situation where you will need to submit a claim it is really quite difficult to find the claim form. I don’t know if this has been changed recently but I found it quite easy to go to their website and just download that claim. The only thing you need to be aware of is that you will need to bring this claim to your VET before the treatment is carried out as your VET will need to fill out section 2 of the form. You might be able to have her/him do at a later state but you might end up paying for that consultation as well and there is no need for that if you come prepared the first time.
The second recurring negative comment about AKC Pet Insurance is that they’re a little slow in processing the claims that they receive and that (taken from the customers point of view) there are claims filed that aren’t accepted leaving the pet owner with the bill. I can understand that this might be frustrating to any pet owner but I find that many times the claim should never have been filed in the first place if the pet owner had cared to read and understand the fine print. Now I’m not taking AKC in defense because I also know that pet insurance company will try to pay as little as possible because it hurts their financial performance every time they pay a claim but I also know that most pet owners do spend enough time reading the terms and conditions of their pet insurance if they even read them at all. There is nothing wrong in reading the terms and if you don’t understand them then call up AKC Pet Insurance customer service and have them explain it. It’s free and will just take you a little time. But the choice is yours.
I HAVE INSURED 4 OF MY CHIHUAHUAS. i HAVE HAD THE POLICY FOR2 YEARS NEVER FILING A CLAIM. RECENTLY TWO OF MY DOGS DEVELOPED SEVERE TOOTHACHES. I FLIED A CLAIM, AND THEY WOULD NOT COVER THE COST OF EXTRACTION. THEN THREE OF MY DOGS DEVELOPED SEVERE RESPIRATORY INFECTIONS. THE BILLS CAME TO OVER $200.00. i AM BEING TOLD THEY HAVE TO MEET DEDUCTABLE. AMOUONT ALLOWED SEEMS TO BE VERY SMALL. I AM NOT SURE THIS AMOUNT I AM PAYING EACH YEAR IS WORTH WHAT I AM NOT GETTING INSERVICES. I MAY SWITCH TO ANOTHER PLAN ADDING TWO MORE DOGS. I DON’T KNOW WHO IS ANY GOOD AFTER THIS EXPERIENCE.
After years of coverage and multiple policies for our 4 pups with the AKC Pet Partners Insurance the time came for me to have utilized it for our adored pup. He was sick – no question about that. I had insurance – or so I thought. Our sweet boy was hospitalized, required an MRI of the brain which indicated some sort of a lesion, then developed nephritis, later he came down with aspiration pneumonia and also had an emergency hospital visit as well. It ended much to my heart break with the loss of this sweet boy when I was told that it was medically necessary to euthanize him. I had thought I had credible coverage through the AKC Pet Insurance. WRONG! On the Wellness Plan (most enriched plan and very expensive) through the AKC they AKC denied medications, MRI, further diagnostics, medical treatment and hospitalizations.
So consumers BEWARE of such an organization. These were unrelated situations that the akc denied. They have the worst customer service, very disorganized, and rude on a good day.
I had registered our pups with the AKC when they made the offer of this insurance upon AKC registration of our puppy years back – how could I go wrong with the AKC? In EVERYWAY!! I have dropped the insurance with this deplorable coverage offered through the AKC. I now have them insured with an honorable insurance provider that does not have the gimmicks the AKC Pet Insurance has to get out of paying claims.
CONSUMERS please check out www petinsurancereview com and see how many of us that patronized the AKC have shared similar experiences. This is a wonderful sight – they offer you information on ALL insurance providers.
BIG MISTAKE!!! DO NOT INVEST IN AKC PET HEALTHCARE PLAN. THIS IS WORTHLESS!!! You are better off saving your money for the rainy day (for your beloved pet).
I couldn’t agree more! They act as though they are selling you a quality product and all you are receiving is FALSE ILLUSIONS when it comes to them paying claims. I cancelled my four policies with them. They are the WORST! I was going to self fund and have since moved over to a quality insurance through EMBRACE.
I have had the plan for about 3 years now. I have a dog with genetic issues that ended up leading to autoimmune conditions and the like. Needless to say that when i have to go to the vet with her my bill is always looking in the 500s and up (with the latest one being 2,500.00). AKC insurance has always covered an average of 80% of my costs, and that includes medication refills! Yes, there is a deductible that you have to meet, and it is stated on your plan information. It really depends what you want to use the insurance for. I dont use it for yearly check ups, tooth cleanings or any type of preventative care. It is not worth it for that. I use it when things get really serious, like an unexpected illness. Having had experience with other pet health insurance companies in the past, i believe that AKC insurance is a good investment, if you are able to choose a plan that meets your needs wisely.
Have had it for 2 years, serving 2 dogs, have filed 2 claims, both of which were denied based on, what appeared to me, to be technicalities. I think it’s not a wise investment unless you plan to be very well versed on the fine print of the policy.
I put in a negative comment a while back over them not paying for emergency extractions on my dogs infected tooth, however, recently, one of my prize show dogs developed a secere intrauterine inection and became septic. this all happened within a 48 hour period. I rushed her to the vet on a Sunday. They examined her, did blood work, x-rays etc, and said she would definitely die if not operated on. Well, the bill would come to over $1500, but she was my “baby.” They did the surgey successfully and I submitted the bill. Well, I must say. They got their act together, as they paid 90% fo the bill in a reasonable amount of time. I find this good and will stay with them.
I have received prompt acknowledgement of claims, and a check followed soon after. I will continue as a customer.
I have had this insurance for almost 6 years and the only problem I have had was denial of allergy related expenses. I did not take advantage of the trial period when I adopted my puppy. I eventually decided to get the insurance and took him in for his physical 2 days before the policy had been in effect for 30 days. The vet decided to run allergy tests. The insurance paid for his physical, but because the allergy test was inside the 30 days, they have not covered anything related to his allergies — pre=existing condition. Everything else (so far) has been covered.
I submitted 3 legitimate claims all turned down
After years of coverage and multiple policies for our 4 pups with the AKC Pet Partners Insurance the time came for me to have utilized it for our adored pup. He was sick – no question about that. I had insurance – or so I thought. Our sweet boy was hospitalized, required an MRI of the brain which indicated some sort of a lesion, then developed nephritis, later he came down with aspiration pneumonia and also had an emergency hospital visit as well. It ended much to my heart break with the loss of this sweet boy when I was told that it was medically necessary to euthanize him. I had thought I had credible coverage through the AKC Pet Insurance. WRONG! On the Wellness Plan (most enriched plan and very expensive) through the AKC they AKC denied medications, MRI, further diagnostics, medical treatment and hospitalizations.
So consumers BEWARE of such an organization. These were unrelated situations that the akc denied.
I had registered our pups with the AKC when they made the offer of this insurance upon AKC registration of our puppy years back – how could I go wrong with the AKC? In EVERYWAY!! I have dropped the insurance with this deplorable coverage offered through the AKC. I now have them insured with an honorable insurance provider that does not have the gimmicks the AKC Pet Insurance has to get out of paying claims.
CONSUMERS please check out www petinsurancereview com and see how many of us that patronized the AKC have shared similar experiences. This is a wonderful sight – they offer you information on ALL insurance providers.
I very carefully kept track of every single penny I paid for care for my puppy in her first year. I bought the most expensive policy offered, and at the end of the year I ended up saving $400 by having the AKC insurance vs not having it. She had one emergency room visit for a severe allergic reaction, one visit from an attack at a dog park, an ear infection that lingered, a sprained muscle in her neck, plus her spay and all her vaccinations, heartworm and flea preventitive. I never had a single claim denied, and my vet keeps a copy of the claim form at his office and fills it out for me when I go. All tests, x-rays, meds, hospital fees, everything was covered and paid back to me in time to pay my credit card bill within a month. My biggest complaint about this insurance is the fact that it excludes genetic conditions.
I have had this coverage for my dalmatian for 2 years in June. He is an active boy and I have had to use it 5 times. Each time everything was covered, claims paid quickly, and no complaint from me. The price of the policy has already been overcome by the amount of reimbursements. Great plan!
I have used AKC pet insurance for about 2 years and it is the best out there. I insure my 7 dogs with AKC. I had AKC pet insurance for one of my boxers for only three days when she got hit by a car and the bill was $3,000. AKC covered 80% minus the deductible. I briefly switched to VPI due to much lower premium costs but when my Boxer got hurt the bill was 2,500; VPI only paid 300. I then switched back to AKC and have not waivered on my decision. They are the best.
Absolutely do NOT trust the AKC insurance. I have been with them for years. They pay the small stuff and I mean SMALL, but when it comes to a major issue, forget about it! They do not pay claims as the suggest thet do for major issues.
My dog had 3 hospitalizations for DIFFERENT things. I did NOT max the insurance out. My guy had nephritis, then aspiration pnemonia as a second hospitalization – along with MRI of the brain. The AKC has denied the claim for over $5,000 stating it is the same as nephritis. Not hardly. I am bringing it to the attention of the State Insurance Board of my state.
Sadly I lost my poor pup and have to deal with the idiots at the AKC on top of this. They misplace submitted claims, customer service is beyond horrible, if they are going to pay a claim and I say IF it is slow paying. They have denied diagonostics which are included in the Wellness Plan I took.
Be sure if you want insurance for your pet you stay away from the AKC since they lump everything into one category and then deny. BE CRERTAIN to get an annual maximum with a provider that DOES NOT work on a per incident basis. Believe me those providers are our there and they are NOT the AKC. You can even have geneic disorders covered by insurance companies OTHER THAN the AKC!
I have had AKC for 2 years for my lab pup and in his first year of life had to have TPLO surgery for a rupture of his ACL. The surgery was 5000.00 plus with complications. The bills were paid on time and his rehab was also covered. It is more expensive than other insurance but I won’t change it.
I posted earlier about his allergies not being covered because of timing issue. This year he’s had cancer with expensive medicine and several follow-up blood exams; a broken elbow requiring surgery, post-surgery complications, and follow-up rehab visits, his annual physical, shots and dental cleaning. So far, all of these expenses have been covered and I am so glad I have the policy. Reimbursements this year have far outweighed the premium paid not only for this year, but for a few years back when I didn’t have any major claims. He will need knee surgery in the near future and I don’t see any problems with that being reimbursed either.
I have had an AKC policy on my dog for over 5 years. I have been relatively satisfied until now, when I discovered my premium has gone up with my renewal this year, to more than double the amount I was paying! I was sent no notification of the renewal premium. I found out about it because my bank account was drafted for 2 months of this obscene premium. Customer service was very rude! Watch out for these people. I am trying to get refunded this money and expect a fight in the process. If you disregard my advice and take this plan anyway, be sure you know that you will be reimbursed only the percentage of what they think was reasonable and not percentage of what you paid or were charged. They are extremely slow in paying.
I have been with this company for 7 years. I have not been completely happy with the claims that I have submitted, for the same reason as others have already reported above. I just got a letter to renew my policy. They’re catch is your policy only runs for 1 year at a time. My “new” price this year is 75% higher (for the same plan) than the prior years. I have a 7 year old Great Dane, and as you probably already know, 7 is the average lifespan of a Dane. Isn’t that just wonderful!!!!!!! They had no problem taking all my money for 6 years, but now they know my dog will most likely need care in the future, they gouge me with this unbelievable increase. I called the company and spoke with 2 different customer service reps. The first told me the increase was due to my zip code.. HAHA. I’ve lived in the same area for the life of my dog and their policy. The second rep, who was an “operations manager” admitted it was due to the age of my dog. Can you imagine how they are going to “rape” me next year. STAY AWAY FROM THIS COMPANY. Call AKC to see if they’ll admit to having any connection with this company before you sign up.
WE have had a nightmare with the AKC — We are taking to our State Department of Insurance for review. This company needs to be held accountable. I would suggest EMBRACE insurance. They have superior customer service and no PER INCIDENT LOOP HOLE like the AKC Pet Insurance does.
Our experience is they even denied euthanasia for my beloved pet, I am filing with my State Insurance Department – I had the AKC WELLNESS PLAN and it is USELESS in every way. You think you have good coverage EXCEPT the AKC has a HUGE LOOP HOLE that puts everything as ONE INCIDENT and then they DENY the claim- even when they have separate illnesses listed on the EOB they PREPARED and clearly they are not the same incident.
USELESS has been my experience as well as heart break with the AKC PET INSURANCE. STAY AWAY if you truly want to have your pet insured. Many other providers with excellent COVERAGE — like Embrace!
A good resource to check out is pet insurance review (one word) dot com. They provide real consumer experience on “ALL” insurance companies. I found it very helpful in my selection of a new provider. AKC for me was beyond horrible!
Im so dissapointed w/AKC, they complied the first 2 years but now my golden retriever is 2 and a half and the renewal for this year has gone up because my dog is “aging” and the older he gets the more “you have to pay” – they are insensible – they have a horrible customer service I requested to an upgrade since I know that is possible my dog gets cancer, that was like a month ago, Im still waiting for all the INFO they promised to mail – stay away from them – they will rip you off
I have been using AKC for six and half years. I own two rottweilers and I will tell you that my experiences have all been great. I use all the preventative and rx benefits in addition to the other covered items.
My female has gone through four major surgeries in the last seven months. Three on her knee including a tplo, torn meniscus. And removal of the plate. Pt after each surgery. She ate something and had to have emergency stomach surgery or we would have lost her. AKC was there every step of the way with no complication or hesitation covering the bills exactly as they said they would. The people that have a problem need to know what they bought and expect it but don’t feel everything should be covered. What does your personal health care policy cover? You probably don’t know that either.
Yes, the premium has gone up and I just got the renewal on my female but the way I look at it what is a few dollars more for the protection it offers. AKC reimbursed me just under $10,000.00 for the procedures.
I would never own a pet without insurance and would never consider changing companies.
Absolutely do NOT trust the AKC insurance. I have been with them for years. They pay the small stuff and I mean SMALL, but when it comes to a major issue, forget about it! They do not pay claims as the suggest thet do for major issues.
My dog had 3 hospitalizations for DIFFERENT things. I did NOT max the insurance out. My guy had nephritis, then aspiration pnemonia as a second hospitalization – along with MRI of the brain. The AKC has denied the claim for over $5,000 stating it is the same as nephritis. Not hardly. I am bringing it to the attention of the State Insurance Board of my state.
Sadly I lost my poor pup and have to deal with the idiots at the AKC on top of this. They misplace submitted claims, customer service is beyond horrible, if they are going to pay a claim and I say IF it is slow paying. They have denied diagonostics which are included in the Wellness Plan I took.
Be sure if you want insurance for your pet you stay away from the AKC since they lump everything into one category and then deny. BE CRERTAIN to get an annual maximum with a provider that DOES NOT work on a per incident basis. Believe me those providers are our there and they are NOT the AKC. You can even have geneic disorders covered by insurance companies OTHER THAN the AKC!
The only one that the AKC Petpartners Insurance partners with is with THEMSELVES! This company has denied my family 1,000?s of dollars in UNPAID claim inclusive of eusthanasia. I am shopping other insurance after experiencing how deplorable the customer service is. The lost claims they forever seem to misplace and the wrongful denial to claims INCLUSIVE OF EUTHANASIA when we were told it was medically necessary. I had the wellness plan – pretty comprehensive and they only pay PEANUT things – when it comes to the “true reason we have insurance” forget about the AKC since you have NOTHING at all if you are with the AKC Petpartners Insurance per our experience. You need to look for providers WITHOUT the NEVER ENDING clauses the AKC has. OTHERWISE — SELF FUND YOUR OWN POLICY. To have an AKC Policy — USELESS and HEART WRENCHING! Be certain to read the AKC catch all loop hole — PER INCIDENT, they consider EVERYTHING the same incident even when their own EOB’s indicate different diagnosis.
My Roux gave birth to 5 puppies, all healthy but she down the road developed some issues. nothing real serious, so i sent in my claim to PET PLAN INSURANCE and they denied me because my vet talked to me about problems the female can have after the pregnancy, This was before she gave birth. The bill was over $400.00. alot of money for anyone of us, so they said that this was pre exsisiting condition. like i told the lady on the phone, you people allways have a loop hole dont you. she didnt know what to say. and we have insurance to hopefully help us take care of our loved ones. but to no avail denied denied denied…im thinking of switching but to who..need help. any friendly help would be great…P.S. all my dogs are SIBERIAN HUSKIES
My experience is they even denied euthanasia for my beloved pet, I am filing with my State Insurance Department – I had the AKC WELLNESS PLAN and it is USELESS in every way. You think you have good coverage EXCEPT the AKC has a HUGE LOOP HOLE that puts everything as ONE INCIDENT and then they DENY the claim- even when they have separate illnesses listed on the EOB they PREPARED and clearly they are not the same incident.
USELESS has been my experience as well as heart break with the AKC PET INSURANCE. STAY AWAY if you truly want to have your pet insured. Many other providers with excellent COVERAGE — like Embrace!
Embrace does not have a per incident restriction — also gives you a medical review UPFRONT so you know what you are dealing with if anything and SUPERIOR customer service. Good Luck!
Hi Tony,
Hope your pup is better. WE have had a nightmare with the AKC — We are taking to our State Department of Insurance for review. This company needs to be held accountable. I would suggest EMBRACE insurance. They have superior customer service and no PER INCIDENT LOOP HOLE like the AKC Pet Insurance does.
Our experience is they even denied euthanasia for my beloved pet, I am filing with my State Insurance Department – I had the AKC WELLNESS PLAN and it is USELESS in every way. You think you have good coverage EXCEPT the AKC has a HUGE LOOP HOLE that puts everything as ONE INCIDENT and then they DENY the claim- even when they have separate illnesses listed on the EOB they PREPARED and clearly they are not the same incident.
USELESS has been my experience as well as heart break with the AKC PET INSURANCE. STAY AWAY if you truly want to have your pet insured. Many other providers with excellent COVERAGE — like Embrace!
We have the Wellness Plus Plan for another one of our pups. It includes diagonostics. The AKC has now denied testing for Giarda. They AKC only wants your premium money and provides horrible coverage DESPITE the AKC name association — the coverage is pretty much worthless. We have just cancelled our policy with the AKC and moved our puppy to a different providers. The provider has excellent coverage and get this concept, even outstanding customer service. This is something the AKC does not offer either. Be careful if you choose to get involved with this deplorable company. Clearly the AKC means NOTHING when it comes to the insurance they offer.
My wife had the AKC insurance for our pups. We experienced reimbursement for dental, annual and heartworm. Then when we needed the insurance for illness they through everything into “per incident” when clearly it wasn’t and did not pay thousands and thousands of dollars in claims. They DID NOT even pay for euthanasia. She moved to another provider and is OVER THE MOON happy with the service she receives for our pups along with NO PER INCIDENT GIMMICK like the AKC has and the cost was better and we have the peice of mind knowing we ACTUALLY DO NOW HAVE coverage for accident and illness without the gimmick of the AKC. We did not purchase DENTAL INSURANCE for these costs — in the end we only had “dental”. What a joke the AKC was.
I have now cancelled with the AKC Pet Insurance. The colossal problem with the AKC is the “per incident” and “chronic” add in heredity and arthritis — so in the end you basically have the “ILLUSION” of coverage. My experience has been something is forever fallen into one of these categories – when it is not the facts. Now add in the denied claims, lack of integrity with the AKC Pet Insurance, you only paid for the “fantasy” of have a creditable provider while covered with the AKC. You pay huge premiuns and have basically nothing. As stated, I have dropped the AKC and guess what — I now have a creditable provider for my pup withou an “ILLUSION” of coverage — my new provider is based on “factual” claims processed and paid
This is an awful organization! My puppy had valley fever and the bill was over 700.00 i had the pet insurance for almost a year and AKC WOULD NOT COVER IT! Big mistake, this “benefit, ” is the exact opposite, and they will rob you of your money.
Can you believe I had the AKC Wellness Plan and sadly I lost my sweet boy — The AKC DENIED diagoniostic, treatments medication and the final slape Euthanasia. They have denied many, many things to the tune of $8,000. I ask do you want to deal with this type of insurance provider that states they cover things that they don’t . The AKC Loop Hole — Per Incident CLause and none of this was the same incident — but to the AKC it clearly is the “OUT” they use to get out of claim paying! They are the ABSOLUTE MOST HORRIBLE INSURANCE OUT! Think 1,000 before engaging in insurance with the AKC. Look for insurance that does NOT have a per incident CLAUSE that AKC does. This allows them to throw everything into one incident and it is not the case – but it is the AKC loop hole. LOOK FOR AN ANNUAL MAXIMUM withOUT a per incident. Something the AKC DOES NOT OFFER — if they did maybe they would have to pay the claims then. I have now moved my pups over to Embrace where they do not have the ridiculous gimmicks the AKC does. My new provider offers true customer service, prompt claim processing and a professional mannerism. All something I never had in 5 years with the AKC. Wow I needed to use the policy — and did I get the GOTCHA from this AKC insurance policy. Consumer BEWARE of the AKC PetPartners Insurance – they make you believe you have comprehensive coverage for your beloved pet and YOU DO NOT based off my experience. AKC Pet Insurance offers you only the ILLUSION of coverage.
The AKC Pet Partners Insurance only provides the ILLUSION of insurance coverage is absolutely an accurate statement. As for myself when you come to a time when you need the insurance for a “major” illness – the AKC is not partnering with you — in fact they deny claims and don’t pay — so for all the years you pay to have insurance for your beloved pet — it is only an ILLUSION the AKC provides you with. They denied diagonostics, hospitalization, and many other things. Yes they paid for a minor wellness exam — I could have paid for that myself with the cost of the premiums 1,000 x’s over — I did not purchase insurance for “wellness” it was for “illness” — so I just paid for the “fantasy of insurance coverage”. I STRONGLY suggest any other provider or self fund before ever getting involved with the AKC. Be sure to know the AKC Loop Hole with “Per Incident” and realize all the heritary issues they will not cover as well. You are just throwing your money away as my experience indicated while covered with the AKC Pet Partners Insurance
I have two Miniature Schnauzers, both covered by AKC Pet Insurance. I have the Wellness Plus policies.I have submitted claims for wellness visits, medication, emergency visits, etc. I have not had any problems and if anything was denied, it was because I didn’t read what wasn’t covered, e.g., they will only pay for 6 months of Frontline and I bought 12. My one dog was bitten by a bee and had an allergic reaction. Took him to the emergency clinic per my vet. He was examined, given shots, etc. He was kept overnight to monitor as his reaction was very severe. AKC Pet Insurance paid for everything–can’t remember the %, but most was covered. Also, they do not pay for teeth cleaning or extractions and that is part of the policy. Will pay 100% for spaying/neutering. There is a co-pay and a once a year deductible. I had VPI insurance and it was horrible. Denied most claims, a $50 deductible for every visit unless it was in conjunction with a previous illness. A large yearly deducible. Not worth the money. Also, the AKC Pet Insurance gives a discount for multiple pets. I’ve not had any problems and hopefully will not encounter any. The form is easy to download–just bookmark it or print out several copies. Customer Service was very helpful, not rude at all.
We are considering pet insurance for our almost 3 month old Australian Shepherd. The AKC plan offers many choice and the Wellness Plus Plan, while expensive, appears to have a lot of coverage. After reading these comments I’m about to rule any of the AKC plans out. I’m in the process of comparing plans and it’s making my head spin. Any additional insight would be great appreciated. We have never had pet insurance before and we’ve always had multiple pets. Our Aussie joins the 5 cats in our household!
Thanks for taking the time to post this information it’s going to help us in our comparisons.
Try checking into Embrace. I am now covered with them and they are fabulous, prompt paying, professional staff, SUPERIOR provider. You can have them review your pets medical history so you know upfront if and what issues you may have and make a determination from that evaluation. I had the AKC it was deplorable – now with Embrace it is beyond fabulous. AKC lost my claims, had rude customer service, long hold times, denied claims. Embrace does not have the per incident maximum as the AKC does and Embrace allows you to customize the plan. Embrace is FABULOUS!
I had been very happy with AKC for my 2 dogs for the past 6 years. I had the top plan that included preventative care. I must say it took them forever to pay a claim. But I was never denied a claim. So I was very happy. Then the $100.00 deductable went up to $125.00 then the premiums were going up every year. But I felt stuck because if I switched insurance co everything they were ever treated for would become pre-existing so I stayed. UNTIL… last year my premium went up 100%. yep it doubled. From about $705 per year per dog to almost $1500.00 per dog per year!!!!!!!! I didnt have time to react and switched them to the essential plan which only covers illnesses with a $3000.00 dollar cap per incident. that is costing me almost $900.00 per year. I am done with AKC. Switched this year to Trupanion. Getting so much more for a fraction of the cost. Unbelievable!