AKC | Pet Insurance Review

My husband and I had trouble with our credit card being compromised and our payment was over due. First time in a year I saw the amount we were paying too. I had called to pay the over due, as well as, ask for a different coverage, that was more suitable to my pet's needs and our finances. Rosa was not only understanding, accommodating and efficient in helping with my questions and concerns, she was friendly, sweet and an overall pleasure to speak with. I hope to speak with Rosa again, next time I may have to call. :)

The experiences I have had with AKC insurance is a Godsend for sure. We went through many thousands of dollars trying to save our Sheltie from cancer in 2012 and did not have insurance. When we got our new dog we immediately signed up and now have another dog and did the same. The representatives are always so kind and helpful when you call with questions and always eager to assist. This is an expense that I do not mind paying at all. Peace of mind has no price.

We started with AKC Insurance when our dog was a pup. Premiums were reasonable, just over $30 a month for sick coverage only. Around age 3-4 she had some health issues and claims that were covered reasonably, though never near what we were paying the vets in a metro area. Even though our dog had very few claims after that and was quite healthy, the rates more than doubled when she turned 7, then doubled again at age 10 (AKC told us this is normal), and finally increased to over $2,000 this past March (and this does NOT include wellness care!!). Everyone else we've talked to with pet insurance is shocked at what we are paying. Since our dog has been quite healthy for most of her life, we considered dropping the insurance this year just before she turned 12. In May she developed a neurological condition and we were glad we still had insurance, however, it recently took four months for $3,500 in costs to be processed and paid at just over $2,000. Because of the number of calls, faxes and communications required of my vet to process the claims, my vet has had to charge us separately for her administrative time. She believes the insurance company seem to be trying to avoid or delay paying on claims. And she finds AKC to be the most difficult insurance company to deal with. Furthermore, we've discovered that any condition a pet has is limited to a $3,000 lifetime incidence limit!! Be sure to read the fine print in the policy. There are many exclusions and limits that you wouldn't expect. Premiums are going up and coverage is going down. And the claims process has become quite time consuming and frustrating.

We have two 7 1/2 month old Yorkies and have had Wellness Insurance for them since the day we got them. Its has been such a big help!! Reimbursements come back so quickly after the claim is filed and when something is not covered They have an explanation of benefits that reminds you of your coverage. I've had to call several times for different reason and I've never had to deal with anyone giving attitude or getting frustrated when I ask questions even if they seem silly. I forgot to update my Debit card info with them when I received a new one. I received an email and called immediately to update, even then they were completely understanding and helpful!

To all pet owners we would recommend getting AKC insurance. We have been very please the way everything was taking care off by AKC. They sent us a card when our pup was sick and many of our bills were reduced after our pup's passing. Thank again for caring