AKC | Pet Insurance Review

We've had this insurance since 2003. Claims processing has been exhausting, requiring escalation to their president. Now, they have a fairly new rule -- claims must be submitted within 90 days -- and a new form has to be completed each time, even for same illness -- and filled out by vet. This seems like bad faith to me. Does anyone know if it is legal to deny a claim if it's submitted after 90 days. If the coverage is in place at the time of treatment, then they should pay, yes?

I've had pet partners for over a year for at least one of my 6 dogs and this one dog sustained a fractured leg after playing with my other dog. Well Pet partners paid for everything to make the diagnosis but when it came time for the repair they denied it! They said that even though my dog has sustained the injury from an accident, because the what the vet repaired the fracture was considered "not covered" and they denied the $1577.00 surgery charge yet paid for the emergency examination and the xrays of her leg! I'm going back to Pet Care USA insurance where I have my other dogs! OVERPRICED TOO!!!

I have two giant breed dogs (a Great Dane and a St. Bernard)insured with them and have had no problems with coverage for anything. I chose the most extensive plans to ensure as much benefit as was necessary in case of problems. As with all contracts, you should READ THE FINE PRINT for the coverage start date and what exactly will be denied (existing conditions, age-related dz, etc.). It's not difficult to mull through or understand. Insurance is definitely worth the money if you have dogs that weigh 150+ pounds and every medication is weight-dosed. :)

I paid for AKC petpartners for 3 years & everything was OK until I had claims. It took 2 months to process my first claim, they limited coverage to "reasonable & customary", and their deductible & copay creeped up since I started with them. Most frustrating were added exclusion clauses when I renewed. Bottom line for over $1,200 in treatments I was reimbursed less then $300. Don't do it - This wasn't worth the paper work hassle, years of monthly payments & claims frustration. You are better off to start a monthly savings bond direct deduct to cover unplanned vet expenses in lieu of the monthly payment. Their exclusions are extensive.

The policy I bought was overpriced, but the customer service was wonderful. Easy to terminate during the 30 day money back guarantee; one e-mail and the policy was terminated and full refund applied. I would consider them if the premium was affordable.