AKC | Pet Insurance Review


out of 10

879 Verified Reviews

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AKC Pet Insurance, administered by PetPartners, Inc., provides comprehensive, affordable pet insurance across all 50 states, and has served as the exclusive pet insurance provider for the American Kennel Club since 2003. Learn more about AKC’s pet insurance plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.

out of 10

POSTED: | BY: Jan Hopman

paid numerous knee surgeries

I took out this plan when my AKC registered puppy was 4 months old.They have paid for 4 knee surgeries, one tooth extraction and eye cyst removal.They have been polite on the phone as well as timely in their payments.Better than VPI I used to have with my other dog.

out of 10

POSTED: | BY: Alice Kolb

dishonest, slow, and misleading claim process

Got this policy from the AKC when I registered my puppy. Never received the actual paperwork outlining the limitations of the policy, but did receive a notice that there was an annual $100 deductible fee. At the end of August, my puppy had to go to the emergency vet because he was vomiting, and the bill was $186 (the vet also cleaned out his ears at the same time). I submitted the bill and the claim form by fax, not once but twice. Three weeks later they returned the form by mail, and I sent it right back by regular mail. Three weeks later, I got a letter saying they were processing the claim, and I would get a check in four weeks. When I called to ask where my check was, they said they had contacted the vet to "investigate" the claim, but that they would pay me $2.00 that had been approved. Subsequently, I called the vet to ask if he had received an inquiry, and he said he had not! I cancelled the policy by e-mail, and I have contacted the AKC. This plan is a rip-off!!!!

out of 10

POSTED: | BY: Louise Campbell-Laing

No customer service

I had the Wellness Plus Plan for my puppy. The only difference between the Wellness Plus and Wellness Plan is that the Wellness Plus Plan includes the cost of neutering. My puppy was neutered in the first year of cover and the vet's invoice was sent to AKC and was duly settled by them.The next year I received my renewal documents and paid the premium quoted. What I didn't realize, until the subsequent renewal, was that AKC had not downgraded my policy to the Wellness Plan since my puppy had now been neutered, they were still charging me for the Wellness Plus Plan which was no longer appropriate. When I queried this with AKC they said I had to notify them in writing that my dog had been neutered. I told them that not only did they have written confirmation from the vet, but that they had also settled the claim and were therefore well aware my dog had been neutered. AKC refused to refund the additional premium and suffice to say I immediately cancelled my policy. AKC is an arrogant and inflexible company, offering no customer service. I am now with a company who value and respect their customers. Also AKC constantly paid only a portion of my claim, as they considered the bills to be 'unreasonable'. I can't help that I live in an expensive area and in fact when you get a quote you have to enter your zip code and I'm sure your premium is adjusted accordingly. They should pay me back the full cost of my dog's care, as that is how much it costs me to provide care for him in my area.

out of 10

POSTED: | BY: Kim Harbin

AKC Pet Healthcare Plan vs. Embrace

After having the AKC Pet Healthcare plan on my four Bulldogs for two years I recently switched to Embrace. I was frustrated about the length of time it took AKC to process claims and the fact that they considered just about everything genetic and therefore denied the claim. In addition, for two years I tried to get them to consider giving a multi-pet discount and all I was told was that it was something they were considering. They still don't offer it... Knowing that Bulldogs are prone to a lot of genetic disorders, I decided to look into other Pet Insurance Plans. That's when I realized that the AKC Pet Healthcare Plan is one of the WORST rated pet insurance companies out there. I chose Embrace because they are one of the top rated companies and learned there's a reason for that. Their level of customer service is superior! During a recent wellness check (on a Saturday) my vet found a small mammary tumor on one of my girls. She had surgery that day and spent the night in the hospital. I submited my claims to Embrace on Monday and was shocked to find the money direct deposited into my account on Friday (less my $200 annual deductible and 10% co-pay. I was provided status every step of the way. I even recieved a person email from one of the co-founders a week later verifying that I received my payment and if for some reason I hadn't she wanted me to contact her personally. It just doesn't get any better than that. Embrace may cost a little more but you get something in return - COVERAGE and personal service. Bottom line is DO YOUR HOMEWORK before you buy pet insurance. There's a lot of information out there. I wish I had done my research instead of just signing up with AKC Pet Healthcare because it was recommended by AKC when I received my registration papers. Having the AKC seal of approval in this case is very disappointing.

out of 10

POSTED: | BY: long time

Worked for me!

Our year old german shepherd had this insurance when he had a horrible accident in the woods, with a complex abdominal cut and tear. They were helpful with good communication, and paid for his very extensive vet care. ONly reason I switched was that they don't cover genetic conditions.

Monthly Cost

$5 – $90 depending on coverage options chosen.


You have a co-pay of 20% after your annual deductible.

The pay-out amount is based on your actual vet bill.

Payout Limits

Per incident limit of $1,500 – $8,000 and annual limits of $3,000 – $16,000 depending on your chosen plan.


Choose from $100 – $1,000 annual deductible.

Age Limits

Pets must be at least 8 weeks old to enroll with no upper age limit. Coverage options available for senior pets.

Waiting Period

Coverage goes into effect one day after enrollment. There is a 5-day wait period for accident claims and 14-day wait period for illness claims.

AKC Pet Insurance provides 30 days of accident and illness insurance coverage included with AKC registration for newly registered puppies.


Pre-existing conditions are not covered.

Customizable plans allow you to add-on coverage for inherited and congenital conditions, exam fees and wellness care.

Cancer coverage included in base accident and illness plan.

As one of the first pet insurance providers in the United States, AKC Pet Insurance, administered by PetPartners, Inc., provides comprehensive, affordable pet insurance across all 50 states. Since 2003, AKC Pet Insurance has served as the exclusive pet insurance provider for the American Kennel Club, and helps dog and puppy owners keep their pets safe and healthy. AKC Pet Insurance’s customizable plans allow pet owners to choose their coverage, deductible and coverage limits to create a plan that meets their individual needs and budget.

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