AKC | Pet Insurance Review

Typical insurance company that will spend an inordinate amount of time and energy (money) into looking to deny your claim. I got the 30 days free when registering my dog and by happenstance had a claim..urinary tract infection for a female puppy and they arbitrarily claimed it was a congenital defect. The Vet said no way. Not worth the fight since I will not be renewing and definitely not worth your money to get this insurance.

I was pleased with AKC insurance when I first signed up (and, even recommended it to my fellow dog exhibitors), but competence has taken a steep nosedive over the past few months, with claims adjusters denying claims made less than 30 days after a covered event as having exceeded the 180 day limit. I strongly suspect they have either instituted the use of AI to deny claims based upon the inability of their AI software to accurately process claims, or they’ve hired employees who don’t understand how to read a calendar.

My claim was denied on the removal of an undescended testicle in a dog. I appealed and was informed that I would need additional coverage to the ever escalating premiums that I already pay. This was not a neuter, but a necessary procedure done to prevent cancer, which is a risk with undescended testicles. AKC pet insurance is overpriced and has many add on with coverage, not a basic wellness coverage and/or illness/accident coverage. I would not recommend and will be cancelling the policy.

AKC pet insurance was the first option I considered the day I brought my beloved Fiona home. I am so very thankful for everything AKC pet insurance did for Fiona and I. They always responded quickly to our claims. I would most definitely recommend AKC pet insurance to anyone considering pet insurance.

This is NOT about any specific insurance Co. Regardless of how good a pet insurance Co. is and how well it pays claims, due to the greed of veterinarians who cannot wait a few days for insurance to pay them directly even upon agreement, but would rather let the pet die, run away from any insurance that does not pay immediately on the spot, unless you plan to use it for charges you can afford yourself. For true unexpected emergencies as critical surgeries followed by pertinent in-patient stays/treatments that can't wait, you will be throwing money away even with backup from cards as Care Credit which don't offer the majority as many thousands as are now required upfront, at the clinic. If vets had a different perspective on the way they look at urgent life-saving treatments and at their patients, this type of insurance would surely work.