AKC | Pet Insurance Review

I would not recommend this company to anyone! They take your money and do not explain their policies fully. I lost my pup and cremated her and then they told me it was not covered by her policy. They said I needed to upgrade, after the fact.

Update as of 12/22/20 ... it took over a month to appeal the decision on the original decline and the adjuster still declined payment. The tests were run to ensure our dog had not ingested a toxin. The vet updated the records stating that they were screening to ensure no organ damage was showing. The tests showed no organ damage so that was great, but because the vet noted our dog was teething at the time- the AKC insurance adjuster said THAT was the cause of the excessive drooling and declined payment. Great way to dodge payment since Ortho issues are not covered. The issue resolved in 48 hours, but the dog was still teething so that was not the cause of the drooling. We also had the wellness plan for our cats- it has been a month since I submitted the claim for that and still no completion. It is unfortunate that they are so under-staffed that claims take a month to review, and set the customer up for an even longer reimbursement process if/when they want more documents from your vet. I know we have begun looking at other options. Financially, it doesn’t make sense to pay thousands in premiums to have $177 bill declined for payment. Original post: So we have been with AKC Pet Insurance for approximately 4 years now, and I honestly could have made a commercial for them. Unfortunately my last claims experience was a bit unsettling. We had a $177 claim that was reimbursed $0. The explanation of benefits said that they did not cover my dog’s diagnosis- but that is alarming as it was an emergent visit. Specifically, our dog began drooling EXCESSIVELY.... I am used to slobber as I favor wrinkly pups, but our puppy was soaking through a full sized towel while trying to sleep, and the drool was pouring out of his mouth when he stood- his neck, chest and paws were soaked. The vet said to bring him in because she feared dehydration could set in, and that perhaps it was some chemical exposure so they wanted to run tests! We got him in, and the tests run indicated that his organs were all functioning properly, and there was no known cause for the excess drooling. They told us to watch him over the weekend and if it continued more tests would be run to check for salivary gland issues. Thankfully it subsided, but the insurance paid nothing on the claim because the only thing the vet could positively note was that he was “shedding” multiple teeth. There was no conclusive diagnosis as to what caused the drooling, so they paid nothing. My concern is that it seems they would encourage owners to wait to seek treatment unless there is some certainty of what is causing a symptom! That is no way to care for a pet! I am shocked at the philosophy so I cannot recommend the product any more. I can say that if you are considering pet insurance, you may want to ask if testing is covered even if results are negative and cannot confirm an immediate diagnosis.

I called this evening to ask questions about my policy. Chelsea was so very helpful and nice. I wish more people had such wonderful customer service skills. She helped me pick out a better policy and was able to answer all of my questions.

Quick and straight forward process from start to finish. Paperwork is easy and response with payment was complete and quick.

Do NOT buy this insurance for your PUPPY! I paid 94$ a month for my 3 month old puppy and the first time I used it they denied my 700$ cardiac assessment! What a waste of my money! Do not waste yours!