AKC | Pet Insurance Review

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.

AKC Pet Insurance denied all claims related to the condition that led to my dog's death (bowel obstruction) because they had paid me $10 for when I took him to the vet when he was vomiting a few months ago. The vet took X-rays at that time and found no obstruction. Their customer service representative provided no recourse and left me with over $10,000 of bills for a very traumatic experience that ended in my beloved young dog's death. They claim that they cannot revise the previous claim because it has been "finalized."

AKC Pet Insurance denied all claims related to the condition that led to my dog's death (bowel obstruction) because they had paid me $10 for when I took him to the vet when he was vomiting a few months ago. The vet took X-rays at that time and found no obstruction. Their customer service representative provided no recourse and left me with over $10,000 of bills for a very traumatic experience that ended in my beloved young dog's death. They claim that they cannot revise the previous claim because it has been "finalized."

I submitted a claim on 1-9-25 for our dog who had broken a toenail bad enough to have the vet cut it all the way back. Since that time AKC pet insurance has repeatedly declined to pay our claim saying the invoice was created using Aspose software that can be altered. Which is entirely incorrect. Our Vet does not use this software. Our vet has sent in an invoice, I have forwarded an invoice from our vet by email & so far nothing. These claims people need to learn to pick up the phone to contact a vendor if there is a question.

I insured two dogs with Pet Partners one beginning in November of 2023 and another beginning in May 2024. For two dogs per month it was $112. On November 4th 2024 I was charged $283 for one month for two dogs, more than doubling my premium with no notification to me that this was going to happen. On December 4th again I was charged $283 for one month and that’s when I noticed the charge and realized that I had been charged the same thing for November. I called because I was sure there was a mistake. I was told Washington state just updated their insurance information on different breeds, which is ridiculous. I asked for a refund since number one my one dog was added in May 2024 so the year quote shouldn’t have changed until 5/2025 and two I wasn’t notified. I was told Pet Partners changed my policy to have both dogs renew at the same time so they could up my premium (I did not ask them to combine the two policy’s). It was just a way to get $283 a month out of me. They would not refund me and I couldn’t afford to keep two pets on their insurance so I only kept one at $167 a month. On February 4th 2025 they charged me $175 AGAIN the policy premium price went up without any notification to me. This company is out of control violating insurance fraud. My premiums should not change monthly. I want a refund for the entire year. I have not submitted any claims and I can’t afford a company that raises my premiums without me at least getting a noticed and a chance to look into different options. It did not know that they would be more than doubled almost tripled during the Christmas season and I didn’t have an opportunity to look in advance for something different.