AKC | Pet Insurance Review

My policy covers the wellness check and preventive meds, the monthly premium really pays itself off throughout the year. The ER visit sometimes happens but I am never worried about the cost because most of it is covered by the insurance. I want the BEST for my dog and I would not want to be in a position where I need to choose between my dog's life and the lack of funding. The customer service is amazing, I spoke with a young man named Brice, he was so professional and sincere. He said he'd follow up on my question, and one week later he really called me and I could tell that his supervisor and he were working hard to answer my question. I felt like they understand that my dog is my baby, not and I am just not a business profit to them, I felt that sincerity and kindness towards my affection for my dog. I would stay with this insurance company as long as my doggie is around! This was the best decision I've ever made, now our dog can get the best vet care I can possibly give without worrying about the expenses!

Absolutely phenomenal pet insurance! My lab puppy ended up having grade 5 bilateral elbow dysplasia and the AKC insurance I bought has covered 2 surgeries and physical therapy! I bought the genetic/orthopedic/cancer policy knowing labs are susceptible to these issues. I called the AKC insurance customer service when first signing up for a plan to make sure I understood fully what the insurance plan covered as I was skeptical but they could not have been nicer or taken more time to explain everything to me. They helped me choose the right plan for my Labrador. 6 months later the worst thing happened, my perfect lab pup was diagnosed with elbow dysplasia. As of December 2019, the AKC insurance I bought has covered 17,000 in reimbursements toward my lab pup’s medical costs. I was able to take my pup to one of the best orthopedic surgeons in the country after the first surgery either failed or her disease progressed and she was still limping severely. I can not say enough great things about this insurance company! And reimbursements came within a week of submitting my vet invoices!

Joke of insurance policy. The Exceptions for coverage are written so they can deny practically everything.

If I could leave 0 stars, I would. Our 1 year old pup has had to have 2 total hip replacement surgeries and now a knee surgery all by a phenomenal specalist from Blue Pearl (5 stars for them). AKC did not and will not cover any of those ($20,000 when its all said and done) even though we have the premium package and our fur babies are AKC Good Citizen Certified. They lead you on into thinking you are fully covered but then fill you in on a 30-180 day waiting period, hidden fees, etc. After the poor customer service displayed by the AKC staff, we ended up canceling our coverage and they offered a $50 reimbursement which yes was appreciated, but at the end of the day, not enough. We would do any and everything for our dogs but unfortunately I can't say the same about AKC. Save your money and find a different pet insurance company. Just sad.

UPDATE: My pneumonia claim is now being processed. I am satisfied with the results of my claims. It did take time for issues to get resolved but thankfully the manager working the case got in touch with the vet on the phone to work out any miscommunications. Previous Review: When presented with medical records they will dismiss anything that is not in their favor to get out of paying. When you call customer service the only information they can provide you is the notes that are sent back to you with your explanation of benefits. I had to file an appeal twice to have them actually look over the medical records and now they are have sent the vet a question where there’s not really a good way to answer so that they can find some way to get out of paying. Summary of events: Claim submitted 10/21/19 Claim denied 11/1/19 REASON: D11 Policy per-incident limit or lifetime limit has been reached No further explanation or documentation provided to me. I called and they said that the vet thought that the 2 incidents were related. (His previous bout of pneumonia and the most recent one) the hospital did not follow up with my vet which had taken x-rays showing that he no longer has pneumonia between the 2 incidents. So I filed an appeal. Appeal filed 11/4/19 Appeal denied 11/19/19 REASON: D11 Policy per-incident limit or lifetime limit has been reached No further explanation or documentation provided to me. I called and they said that the vet thought that the 2 incidents were related. (His previous bout of pneumonia and the most recent one) the hospital did not follow up with my vet which had taken x-rays showing that he no longer has pneumonia. NO THAT IS NOT A TYPO THE SAME EXACT EXPLANATION OF BENEFITS WAS SENT TO ME WITH A DIFFERENT DATE. I sent them my dogs medical records yet again for a second appeal because when I called customer care yet again they gave me the same reason. I wanted to know why the medical records were not reviewed or why there was no further explanation provided. They said you can file another claim. 2nd Appeal filed 11/14/19 More information requested from the vet: According to Winston’s medical history, he has been treated On three separate occasions for bronchopneumonia. Bring the medical records from your hospital, it indicated that Winston presented on 9/19/19 and 10/20/19 for vomiting, which developed into secondary aspiration pneumonia. The medical records from Hutto veterinary clinic stated that the recheck radiographs performed on 10/3/19 revealed no radiographic evidence of bronchopneumonia. While we understand that the recheck radiographs on 10/3/19 revealed normal radiographs, in your professional opinion’s, has an underlying ideology and or cost for the vomiting a 9/19 and 10/20 been determined? Currently waiting to see what the insurance comes back with this time. This is 2 separate bouts of Pneumonia and I have medical records and x-rays to prove it. However the insurance company is still trying to find a way to get out of paying it. My dog was diagnosed with brachycephalic syndrome Which if you are not aware refers to the combination of elongated soft palate, stenotic nares, and everted laryngeal saccules. While he did have surgery on his everted laryngeal saccules and stenotic nares he also had a repair of his secondary cleft palate which is not a part of the brachycephalic syndrome. However my explanations of benefits states: my hereditary plus was added 2 days too late. I get it. My loss however part of the surgery unrelated to the “diagnosis” made 2 days prior was addressed with surgery and the whole denial was based on the diagnosis of brachycephalic syndrome. I have spent numerous hours filing appeals and speaking with employees trying to resolved this. This company is the absolute worst. If you love your pet stay FAR FAR away!!! I am baffled that the AKC allows their name to be used with this company.