AKC Pet Insurance Reviews

I received one month free insurance with registration of my new puppy. Before the policy lapsed I continued coverage and added to it (genetic coverage). My 16 week old puppy was playing in the yard on 3/29. My 130 lb GP stepped on him. He cried and began limping. I took him to my vet when they opened on the 31st. Xrays looked fine. Vet said soft tissue injury. We received a anti-inflammatory shot and went home. The claim was coded as soft tissue injury. The puppy was better in two days. Two weeks later has jumped of the bed and reinjured it. We went back to the vet. This time the vet said the x ray might be concerning and offered to refer me to a specialist to see if he needed any repair. This visit shows closed with no coverage.

We got our first dog and fell into the trap of getting AKC pet insurance instead of a more reputable brand. Our puppy had a severe illness a couple of months later, and not a single cent was reimbursed by the insurance plan - which was above and beyond the basic coverage at about $80/month. So, not only did we have expensive vet bills, but we just flushed nearly $500 down the drain for this “insurance plan.” Our vet clinic couldn’t believe the claims were denied. I am only writing this review to save others from the frustration and financial burden.

My family and I decided to bring a new little puppy into our family at the end of 2020. When we got him he came with a 30day trial for pet insurance (different company). I never had pet insurance on past pets and I went back and forth on if I should have pet insurance on our new puppy. I started doing research on different pet insurance companies and came across AKC Pet Insurance. I went ahead and bit the bullet and committed to purchasing a policy with AKC. Best decision I have ever made, they have been a lifesaver for me!

We got our beautiful golden retriever puppy in December 2020. In march 2021 - he accidentally swallowed an object and had to have surgery to remove it. We had signed up for AKC insurance and made sure that emergencies were covered. Little did we know they only cover up to $500 per incident (after deductible plus only %80 reimbursement so were getting like 300 bucks back) with absolutely NO option of changing that coverage online. There is ABSOLUTELY NO OPTION for changing the "per incident coverage" online and we had no idea.

We signed up for this when we registered our new puppy! Every claim we submitted came back with a code "D4". Pre-existing condition! 4 month old puppy! How could you have so many pre-existing conditions! Great way of refusing the claims! Go get a real insurance! Do not be fooled by this! NOT GOOD! What a shame!

We got our first dog and fell into the trap of getting AKC pet insurance instead of a more reputable brand. Our puppy had a severe illness a couple of months later, and not a single cent was reimbursed by the insurance plan - which was above and beyond the basic coverage at about $80/month. So, not only did we have expensive vet bills, but we just flushed nearly $500 down the drain for this “insurance plan.” Our vet clinic couldn’t believe the claims were denied. I am only writing this review to save others from the frustration and financial burden.

If AKC can find any reason to deny a properly submitted claim they will! You purchase a one year policy only to be told many of the more expensive conditions requiring extensive treatment/surgery require a 6 month waiting period, ie torn ACL which is rather common in big dogs. It doesn’t take 6 months to weed out preexisting conditions with any policy, particularly when trauma related. Paid for one year of coverage but my $3500 surgery bill was denied because it occurred at 4 months rather than in the 7th month. Doesn’t seem fair or just.

AKC has been the most difficult company to work with. Every time I have called in, they tell me I do not have anything covered and I need to add more things to my coverage. I have had them for a year and every time I add something, it doesn’t cover the next thing. Not only have I spent 1200$ on my dog out of pocket, I have had 0$ reimbursed. What have a been paying for? I would have rather have burned the money than given it to AKC.

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 specialist from Blue Pearl (5 stars for them). AKC did not and will not cover any of those ($20,000 when it's 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.

Having an insurance for my pet is valuable. I used to have AKC and I enjoyed them when I used them. I already canceled them, but they were very helpful.