Having a pet comes with lots of love, responsibilities, and possibly a lot of costs. Pet insurance is a way to help reduce the upfront costs of healthcare and medical bills. The American Kennel Club (AKC) is the largest purebred registry in the world, and they understand the importance of animal care and safety. They offer five pet insurance plans from very basic accident coverage to comprehensive preventative care and treatment. These plans are available for all cats and dogs under 9 years of age regardless weather they are purebred or a mix.
Plan for Unexpected Pet Injury and Illness
As with any kind of accident, pet related injuries are unexpected and could be very costly. The best way to prepare for them is to plan ahead by purchasing pet insurance. Maintaining good health is also essential for pets just as in humans, with routine vet visits being a necessary part in preventative care. The AKC offers plans to help lower the upfront costs of routine preventative care as well as unexpected emergency care and injuries.
AKC Pet Insurance Reviews – The Five Plans
The five plans the AKC has to offer start off with an accident-only plan and grow to a comprehensive plan that includes annual checkups and dental.
Accident Plus Plan – Strictly accident only coverage. This is the only plan available to any cat or dog regardless of age.
Essential Plan – Covers accidents and illness, with a maximum per policy term limit of $11,000 and $1,500 per incident.
Essential Plus Plan – Offers the same accident and illness coverage as the previous plan but has a $3,000 per incident limit.
Wellness Plan – Includes Day 1 coverage of annual exams, vaccinations, boosters, heartworm testing and prevention, de-worming, flea and tick control, and annual dental cleaning. Coverage limits also increase to $13,000 maximum per policy term and $5,000 per incident.
Wellness Plus Plan – Covers everything in the Wellness Plan with the addition of spay or neuter coverage. The same coverage limits apply.
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.
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.
My experience with the AKC is my puppy on the Wellness Plus plan is they denied diagnostic testing for Giarda which my plan is to cover. I have cancelled this horrible insurance. Not a moment to soon. I thought since the AKC was involved with this insurance it would be reputable — WRONG! I want to know I have decent coverage and so many complaints about the AKC Pet Insurance – I am glad to have MOVED AWAY from the AKC Pet Insurance!
The AKC only provides you with the illusion of insurance coverage. When you truly need this insurance as what happened to me, AKC excludes and denies coverage. This insurance is good to get the teeth cleaned with the wellness plan. Now I ask the $1,000′s you pay in an annual premium you could have paid for the teeth cleaning at least twice.
So for years I thought I had insurance with the AKC and really I had the “Illusion” of coverage. I cancelled my coverage with the horrible provider and moved to an excellent one.
Read the fine print – watch for “annual maximum” “per-incident” “heriditary conditions” “genetic conditions” and of course “arthritis”. See what I mean — they offer the illusion because some medical claim most likely will fall into this category and be denied as is what happened to me and my beloved pet.
Many OTHER providers do not have the “illusion” and offer creditable coverage for the same price!
BEWARE OF THE AKC PET INSURANCE