AKC | Pet Insurance Review

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.

I am very upset with my AKC Wellness-Dog Pet Health Ins Plan. This is my first year with Dog Insurance. My insurance has a $125 deductible, $13,000 limit, $5,000 limit per illness or injury, 20% Co-insurance, covers annual wellness visit and shots, and twelve months supply of flea prevention. I paid $636.00 for one year, that will end in March 2010. During this year, my pup had to have a small growth taken off the side of his nose. The cost was $386, including Histopathology-Fullwritten Biopsy work on the lump, 6 mos. of Advantage, Dental cleaning, Medicine, Blood work and the initial Physical Exam. It was a normal growth, nothing bad. The Insurance Company reimbursed me $209.42. I had to pay the $125 deductible and my 20% Co-Insurance. They did get that to me in approximately thirty days. They still have to pay for his Annual shots, before March this year, too. I just recieved my renewal notice and they have increase my fee to $965.00 Annual. That's a $329 increase! So every year are they going to continue to increase this? I am very upset and will probably look else where for Pet Insurance. You can bet I will be telling everyone not to waste their time or money buying AKC Pet Insurace. I am rating them a 1 because I do not like how they raise the renewal fee $329 in one year!

Have had AKC insurance on two dogs for several years. Have not had any problems with reimbursement. Reimbursement has been prompt and accurate (80% after $125 annual deductible). Planned to renew, but bill just arrived and they increased premium by $251 a year each. This is $251 OVER the online price for new customers. Considering other options!

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.

I have a 2 yr old black lab, have had this ins since she was 8 weeks..they are the worse, they recently got bought by another ins co. I am still wating for a claim i filed in Dec. they faxed the vet wanting every single medical record on her WHY????They won;t return my calls, they apparently did not get all records from previous underwritier..DO NOT BUY THIS INS!!!!!!!!!!