AKC Pet Insurance Reviews 

If you are trying to insure an adult pet, look for coverage elsewhere. They’re deliberately dishonest in how they market their plans. They market reimbursement for x-rays and wellness exams if you pay extra for the defender and exam plus plans, but then deny you if the exam is illness related. When I spoke to customer service, I was told Illness coverage would only be an option if I paid for an additional plan after a year of coverage. In other words, they are treating age as a pre-existing condition. If you are trying to insure an adult or senior pet, I advise looking elsewhere. I will certainly never get insurance through AKC ever again.

RUN!!! THEY DO NOT REIMBURSE!! Believe what others say… THIS IS A SCAM! If you have a dog that is older than 6 or 7 they will ONLY pay for accidents and wellness visits if you chose that option. I called because my dog had Pyelonephritis and needed hospitalization for treatment and they did not pay a dime. Not to mention my dog has never even had a UTI before. I was told because it wasn’t an accident that it wasn’t covered. I said well what exactly do you consider an accident. I was told that if my dog was hit by a car or had a bee sting then they would offer some reimbursement, but they do not pay for any type of illness whatsoever. I’ve literally been wasting money with this company. So just put your monthly payments in a separate account and use that and you’ll come out ahead. The five star reviews must come from owners with a puppy bc they are not helping dogs older than 6 whatsoever!!! I’ve had this insurance for over two years and have only been reimbursed for wellness visits. Not one ear infection, not one test, not one lab, NOTHING!!!!
YES YOU MAY SAVE ON MONTHLY PREMIUMS BUT THE MONEY SPENT VERSUS WHAT IS REIMBURSED MAKES IT A COMPLETE LOSS. LOOK ELSEWHERE!! THERE ARE BETTER OPTIONS. DO NOT FALL FOR THE 5 STAR REVIEWS. I CAN BET YOU THEY ARE THE EXCEPTION OR YOU WOULD SEE HUNDREDS OF FIVE STAR REVIEWS.

Deny, deny deny. The thought of having this policy was comforting if my dog could’ve made it to the 1 year mark. Even then, not sure if they’d pay out. They twisted the language for another condition and was denied twice. Rude customer service. If I could take the money back I would. Please don’t trust them.

My 1 year old Havanese dog that we got from a breeder we noticed around her 1 year birthday that she was limping and pulling her right hind leg up. I took her to the vet and they X-rayed her. The diagnosis required a hip surgery of $2200.00 plus rehab. I purchased the hereditary portion of the coverage. The claim was denied because it was found a few days before the 30 day wait period. They call it pre-existing and not hereditary even thought the 2 vets called it hereditary. What a sorry insurance provided by what is thought of as a quality company. I read through a lot of these reviews and see overall it is a crappy company the AKC has chosen to work with. Are they not reading these reviews.

I regret signing up with this company. They always find reasons to not cover any part of “illness” claims, not even diagnostic testing, even when an accident was present, they will justify not paying a claim by saying no coverage for “illness”. If you select this company be prepared to pay hundreds per year for claims to be denied, poor customer service, and more time than it’s worth trying to fight to get payments for claims only for no favorable outcome and empty promises. The marketing by this company was also misleading (only pre existing conditions are covered under a certain pet age, which is not made apparent while signing up!). I do not recommend whatsoever.

Be very careful and understand how they define a pre-existing condition. From my experience, they can deny claims based on a pre-existing condition for a condition that never existed - a condition was investigated, but when the test came back negative and no diagnosis or treatment was ever provided, they still claimed that the investigation was covered by their definition of pre-existing.

They gave us a 40% increase without notice and just pulled the money out of our account. I called the same day and cancelled, they tried to hit me for a $3 service charge. The way they did it was shady as well. The CS rep I was talking to kept saying I was approved for a "full" refund until the very end of the call, literally the last thing she says as she's about to release the call, "And there's a $3.00 service charge" Needless to say I blew a gasket, we'll see if they do the right thing and give it back because that is just the lowest of the low. Seriously, absolutely no notice what-so-ever that the rates were going to jump like that and just steal the money out of the account. Then when I confront, they grab $3.00 back to cover their expense for transferring back to me, the money they stole out of my account, without telling me of the increase. What kind of company does that? As a side note, they never paid a single penny for any of our dogs expenses in the years we've had the policy. So they made a tidy bundle on us already. I wish there was a way to get that back without a ton of legal wrangling, I really do.

Update: As expected, they DID NOT do the right thing and clawed back $3. The only consolation that I have is that by complaining and insisting on an escalation I made them burn way more than $3 of FTE time. Idiots.

I've had this insurance for almost 6 years now. For the first 5 years I thought it might be a bit expensive for my needs, but I was still satisfied overall. However, over the last year, when my pup succumbed to bad allergies, I am especially pleased with this insurance. This company has very quickly reimbursed me, no questions asked, with coverage amounts even higher than what I was expecting.

Completely deceptive coverage and reimbursement policies. The only scenario in which this policy makes sense is if your dog has multiple, different, health issues per year. A single, life threatening malignancy that required $5K in treatment was reimbursed for $500 because it was a "single incident"

I've had AKC insurance for over a decade. Up until 3 years ago, they handled claims quickly, fairly, and now that has all changed. On a $2400 vet bill, I got back about $330. I have two policies, and all the bells and whistles. My monthly premium is slightly over that. I spoke to them, got nowhere. They only pay out $50 for an exam, when in the NE it costs almost $200 for a dog. They don't cover a lot of things that they used to. My dogs are 3 and 4 and my cats are 3. So its not an old age thing nor pre existing conditions. I did shop around, got a lot of quotes, settled on Pet's Best.

This team is amazing!! They have walked me thru the process of everything helped me get organized. Helped me turn in the claims and waited while I figured out how to upload stuff..patient kind and understanding. I'm in awe ! I'm tickled and I feel blessed !!

Ive never written a review in my life but Im beyond upset with this company. Coverage is spotty at best they put limits on everything to barely cover your premium. But thats not my issue.
My dog had ingested a balloon in April and needed to go to the vet to get it out, I submitted the claim and received a small portion back but like the limits I still did not complain.
Last weekend my dog was playing with a baseball and got to the string and ingested some which was not passing so I returned to the vet which led me to the emergency room. This visit cost me just under 1500.00 of which I will not receive any reimbursement from because they said it was "repetitive and has previously occurred so was not covered". Make that make sense.
So if you think your pet could possibly do something wrong or be injured more than once with any similarity I would not suggest using this company.

Despite the reason for surgery being complications secondary to a genetic condition and not the genetic condition inherently they refused to cover treatment for my dog.

Typical insurance company that will spend an inordinate amount of time and energy (money) into looking to deny your claim. I got the 30 days free when registering my dog and by happenstance had a claim..urinary tract infection for a female puppy and they arbitrarily claimed it was a congenital defect. The Vet said no way. Not worth the fight since I will not be renewing and definitely not worth your money to get this insurance.

I was pleased with AKC insurance when I first signed up (and, even recommended it to my fellow dog exhibitors), but competence has taken a steep nosedive over the past few months, with claims adjusters denying claims made less than 30 days after a covered event as having exceeded the 180 day limit. I strongly suspect they have either instituted the use of AI to deny claims based upon the inability of their AI software to accurately process claims, or they’ve hired employees who don’t understand how to read a calendar.

My claim was denied on the removal of an undescended testicle in a dog. I appealed and was informed that I would need additional coverage to the ever escalating premiums that I already pay. This was not a neuter, but a necessary procedure done to prevent cancer, which is a risk with undescended testicles. AKC pet insurance is overpriced and has many add on with coverage, not a basic wellness coverage and/or illness/accident coverage. I would not recommend and will be cancelling the policy.

AKC pet insurance was the first option I considered the day I brought my beloved Fiona home. I am so very thankful for everything AKC pet insurance did for Fiona and I. They always responded quickly to our claims. I would most definitely recommend AKC pet insurance to anyone considering pet insurance.

AKC Pet Insurance denied all claims related to the condition that led to my dog's death (bowel obstruction) because they had paid me $10 for when I took him to the vet when he was vomiting a few months ago. The vet took X-rays at that time and found no obstruction. Their customer service representative provided no recourse and left me with over $10,000 of bills for a very traumatic experience that ended in my beloved young dog's death. They claim that they cannot revise the previous claim because it has been "finalized."

I submitted a claim on 1-9-25 for our dog who had broken a toenail bad enough to have the vet cut it all the way back. Since that time AKC pet insurance has repeatedly declined to pay our claim saying the invoice was created using Aspose software that can be altered. Which is entirely incorrect. Our Vet does not use this software. Our vet has sent in an invoice, I have forwarded an invoice from our vet by email & so far nothing. These claims people need to learn to pick up the phone to contact a vendor if there is a question.

I insured two dogs with Pet Partners one beginning in November of 2023 and another beginning in May 2024. For two dogs per month it was $112. On November 4th 2024 I was charged $283 for one month for two dogs, more than doubling my premium with no notification to me that this was going to happen. On December 4th again I was charged $283 for one month and that’s when I noticed the charge and realized that I had been charged the same thing for November. I called because I was sure there was a mistake. I was told Washington state just updated their insurance information on different breeds, which is ridiculous. I asked for a refund since number one my one dog was added in May 2024 so the year quote shouldn’t have changed until 5/2025 and two I wasn’t notified. I was told Pet Partners changed my policy to have both dogs renew at the same time so they could up my premium (I did not ask them to combine the two policy’s). It was just a way to get $283 a month out of me. They would not refund me and I couldn’t afford to keep two pets on their insurance so I only kept one at $167 a month. On February 4th 2025 they charged me $175 AGAIN the policy premium price went up without any notification to me. This company is out of control violating insurance fraud. My premiums should not change monthly. I want a refund for the entire year. I have not submitted any claims and I can’t afford a company that raises my premiums without me at least getting a noticed and a chance to look into different options. It did not know that they would be more than doubled almost tripled during the Christmas season and I didn’t have an opportunity to look in advance for something different.