AKC Pet Insurance Review 2019

BravoDollar Editor rating:

The exclusive pet insurance provider for the American Kennel Club, AKC Pet Insurance has a pedigree of its own. If you are the proud owner of a dog or cat that has won awards in American Kennel Club shows, you might be interested in choosing this insurance to protect your pet. It certainly works hard to make getting insured easy!

About AKC Pet Insurance

First established in 2003, AKC Pet Insurance is the American Kennel Club’s brand based out of their headquarters in Raleigh, North Carolina. AKC has been underwritten by the Independence Holding Company since 2017, when they bought PetPartners Inc., the company that administers AKC Pet Insurance.

AKC Pet Insurance covers dogs and cats of all breeds, mixed breeds, and non-AKC registered pets.

Pros:

  • AKC Pet Insurance offer a 30-Day Free Look that guarantees full reimbursement of your premium if you aren’t happy with this insurance within the first 30 days.
  • Your pet’s plan is customizable, allowing you to get exactly the coverage you can afford and want.
  • Elderly pets can get insured. There is no maximum age for enrollment. Pets over nine years old are eligible for accident coverage.
  • They offer a range of discounts, such as multiple pet owners, puppies from AKC Breeders of Merit, Bred with HEART breeders, and dogs with AKC Canine Good Citizen Certification.
  • Some of their add-ons cover cremation or burial, behavioral issues, and holistic therapies.

>>MORE: What does Pet Insurance Cover?

Cons

  • Their basic policies don’t cover the costs of pet exams and wellness care. However, you can get it as an add-on.
  • They don’t cover any of the expenses related to breeding, pregnancy, whelping, or nursing.
  • Dogs older than nine years when first enrolled can only get accident coverage.
  • You’ll need to get additional coverage for inherited/congenital conditions. These add-ons are only available for dogs under two years of age.

>>MORE: Pet Insurance that Covers Preventative Care

What are the AKC Pet Insurance Ratings?

PetPartners Inc., the administrator of AKC Pet Insurance has an A+ rating with the Better Business Bureau. They have earned a three-star rating from customer reviews on the BBB website. Most of the complaints centered around confusion with the waiting periods after activation of policies and non-coverage of pre-existing conditions.

As a ConsumerAffairs Accredited Brand, AKC Pet Insurance has earned an Overall Satisfaction Rating of four out of five stars. Many customers rating AKC on the Consumer Affairs website report that the company offered the first month of coverage for free. They also report that the company explained everything thoroughly and make the claims process easy.

How Much Does AKC Pet Insurance Cost?

We pulled eight quotes from the AKC Pet Insurance website comparing two breeds of dog; Labradors Retriever, representing small/medium dogs, and German Shepherds, big dogs, and two locations; California and Texas. For each breed, we also pulled a quote for dogs aged one year and five years old. These quotes all feature an unlimited annual benefit and $250 deductible.

  1. California; Small/Medium Dog; Age: 1-Year-Old: $41/month
  2. California; Small/Medium Dog; Age: 5-Year-Old: $55/month
  3. California; Large Dog; Age: 1-Year-Old: $44/month
  4. California; Large Dog; Age: 5-Year-Old: $60/month
  5. Texas; Small/Medium Dog; Age: 1-Year-Old: $37/month
  6. Texas; Small/Medium Dog; Age: 5-Year-Old: $49/month
  7. Texas; Large Dog; Age: 1-Year-Old: $40/month
  8. Texas; Large Dog; Age: 5-Year-Old: $53/month

On average, AKC Pet Insurance costs pet parents $40-$50 a month for a comprehensive plan with unlimited annual benefits and $250 deductibles, which is right in the average of the industry. For a basic plan, it costs $20-30 a month.

>>MORE: How Much does Pet Insurance Cost?

Comparing AKC Pet Insurance with Other Insurance Companies

To get an accurate idea of how AKC Pet Insurance quotes compare with the rest of the industry, we’ve also pulled quotes for other insurance companies. These two companies are Healthy Paws and Petplan Pet Insurance. These quotes are for small/medium dogs and big dogs aged one year and five years old who live in Texas. 

The Healthy Paws quotes are for their most popular plans which include a $250 deductible with unlimited payouts. The Petplan Pet Insurance quotes are for their most popular plans, which include a $300 deductible and a $15,000 maximum annual benefit. 

Dog SizeAgeHealthy PawsPetplan Pet InsuranceAKC Pet Insurance
small/medium dog1-year-old$35$30$37
5-year-old$45$54$49
big dog1-year-old$35$35$38
5-year-old$45$63$53

As you can see, AKC Pet Insurance is slightly more expensive per month for younger dogs but becomes more affordable as your pet ages. This makes sense, since AKC is frequently used by Kennel Club registered breeders who may incur greater medical costs associated with keeping young dogs healthy enough for show or adoption.

Even though Petplan’s monthly rates are slightly lower for younger dogs, they offer fewer benefits. Healthy Paws offers the same basic benefits as AKC Pet Insurance and is also slightly less expensive per month. Of course, each of these providers also offer varying levels of insurance with add-ons that allow pet owners to customize their plans to their exact needs.

>>MORE: Is There Pet Insurance With No Waiting Period?

How Easy to Get a Quote from AKC Pet Insurance?

Obtaining a quote for your dog from AKC Pet Insurance is a very easy and straightforward process. You’ll be able to start from the homepage where there is a form that requests the name of your pet and your zip code. Fill out these text boxes and press the “Start Your Quote” button to proceed to the next page.

Fill in the remaining text boxes on this page to complete your quote, including Pet Type, Breed, Age, Questions Regarding Specific Illnesses, and Email Address. Press the “Proceed” button.

On the next page, you’ll see the quoted monthly premium is displayed in a small box off to the side with a selection of options for changing your coverage to suit your budget and pet’s medical needs.

You can click between a “Custom” coverage plan, or a “Basic” plan that is less than half the cost and offers a $100 deductible, $500 incident limit, and unlimited annual limit.

The “Custom” options allow you to select the preferred:

  • Deductible: $100 to $1,000
  • Coinsurance: 10% to 30%
  • Annual Limit: $2,500 to Unlimited

Your quote adjusts in real-time to the selected coverage amounts. Increasing the Deductible to the maximum of $1,000 seems to offer the greatest monthly savings by reducing the standard quote from $53.27 per month to $32.54 per month for a five-year-old German Shepard. If you adjust the Annual Limit from the unlimited option down to the $2,500 option, the quoted rate goes down to $38.19 per month from $53.27 per month. Lastly, if you change the Coinsurance to 30% the premium adjusts downward from $53.27 per month to $43.51 per month.

>>MORE: Finding the Best Pet Dental Insurance

Coverage Options

As you scroll down the page, you’ll also see the included coverage, Alternative Plus. This part of the plan covers alternative, holistic, and behavioral treatments, like chiropractic care, acupuncture, and vitamins and herbal supplements. These treatments must be recommended by a veterinarian to help manage or resolve a diagnosed condition. There is also a $1,000 annual maximum payout on behavioral treatments.

Scroll down further to see additional coverage options that you can add-on to your insurance policy, such as:

  • Exam Plus: Covers the costs of exam fees for a sick or injured pet at the clinic, vet, or an emergency hospital. It doesn’t cover wellness exams.
  • Defender: Reimburses the costs of basic wellness visits and treatments, like wellness exams, flea/tick prevention, and rabies vaccinations.
  • Defender Plus: Provides reimbursement for wellness visits and treatments, such as spay/neuter, dental cleaning, and heartworm prevention.

Once you have selected the preferred amount of coverage click the “Add to Cart” button on the upper right side of the page. This will take you to one final page that requests personal information, any discounts you have, and your billing information.

>>MORE: Is Pet Insurance Worth It?

Bottom Line:

AKC Pet Insurance has provided coverage for members of the American Kennel Club and the greater public for over 15 years. It offers affordable insurance policies with wellness items and emergency vet exams available as additional coverage options. Pet owners also benefit from the included alternative coverage options that allow them to explore other methods of relieving a pet’s discomfort and behavioral issues. 

This insurance is slightly lacking in coverage that breeders may find valuable. It won’t reimburse the costs of health problems associated with breeding, pregnancy, whelping, or nursing. However, this policy does offer unlimited annual benefits for covered issues. Pet owners can also expect helpful service from customer representatives and prompt payout of claims.

Getting a quote for dog or cat insurance from the AKC Pet Insurance website is an easy process. Only a minimum amount of information is required before you are presented with a monthly premium. The site also allows pet owners to adjust coverage options and select add-ons, while updating the quote in real-time.

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