Out of 10

I purchased this insurance including inherited coverage. The way the advertising worked if you got the free insurance and purchased the paid for inherited the waiting period was covered. This is deceptive. I did that and 8 months later had a claim. Claim denied due to 5 day waiting period. Really? Really? I cancelled and will not purchase for any dog or recommend.

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Claim Amount
Over $1000

Pembroke Welsh Corgi

Age of Pet
1 - 8

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Posted: 01/02/2019
By: AKC Pet Insurance

Hi Patricia,
It is unfortunate that your claim was denied due to a waiting period. The free insurance you’re referring to is the 30-Day Certificate of Insurance that is a benefit of your registration with the American Kennel Club. The 30-Day Certificate of Insurance has a 1-day waiting period for accidents and a 5-day waiting period for illnesses. When you or your veterinarian notice symptoms of an accident or illness, that date becomes the onset date of the condition. If the onset date of a condition falls within a waiting period then the policy would exclude that condition, even if there is a claim 8 months after the symptoms are first noted. The waiting periods for your policy are listed in the Terms and Conditions and we want all of our customers to be aware of them and what it means if a condition starts during a waiting period. If you have questions or would like to discuss your situation in more detail please give the Customer Care Team a call at 866-725-2747 and ask for Adam or Jasmin.
AKC Pet Insurance