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Founded in 2003, AKC Pet Insurance is the official pet insurance offering of the American Kennel Club. The company has national reach, offering accident and illness plans in all 50 states and Washington D.C. 

 AKC Pet Insurance offers solid, entry-level policies at an affordable price. The more you pay, the more generous their policies become – including up to 90% in reimbursements for veterinary care and unlimited annual coverage, among the highest in the industry. However, AKC’s basic plans exclude coverage for a number of common conditions, so you’ll need to look at the details carefully before buying an AKC Pet Insurance plan. 

 Is AKC Pet Insurance the best choice for your pet? In this article, we’ll review the company’s policy options, rates, coverage and customer service to help you make the right decision. 

    AKC Pet Insurance at A Glance

    • Cost: Starting at $10 per month
    • Plans offered: Accident and illness, accident-only (for senior pets)
    • Availability: All 50 states
    • Animals covered: Dogs, cats
    • Waiting period: 14-day waiting period for most illnesses; two-day waiting period for accidents
    • Age restrictions: Minimum age between eight and ten months depending on breed; pets over the age of nine years may qualify for accident-only coverage 
    • Pre-existing condition policy: Curable conditions covered after 365 days of no symptoms
    • Annual coverage limits: $2,500 to unlimited
    • Reimbursement rates: 70% to 90% 
    • Deductibles: $100 to $1,000
    • Wellness covered? Available as an optional add-on
    • Discounts: 5% multi-pet discount for insuring more than one animal at a time

    AKC Pet Insurance Plans and Coverage

    AKC Pet Insurance offers only two plan options, though you likely will not be able to choose between them. Pets typically only qualify for one choice based on their age. Younger pets have access to an accident and illness plan, while older pets can only access the accident-only plan.

    CompanionCare 

    CompanionCare is AKC Pet Insurance’s accident and illness coverage plan and is only available to younger animals, under eight years old. Costs range from $10 to $50 per month, depending on the age and breed of your pet, your location and options you select for your deductible, coverage limit and reimbursement rate.

    CompanionCare covers diagnostic testing, inpatient and outpatient care and physical therapy. It does not cover vet exam fees or preventative care. 

    Within the CompanionCare plan, you are able to choose from a range of deductibles, coverage limits and reimbursement rates.

    • Deductibles: $100, $250, $300, $400, $500, $600, $750 or $1,000
    • Annual coverage limits:  $2,500, $5,000, $7,500, $10,000 or unlimited
    • Reimbursement rates: 90%, 80% or 70%

    Choosing a higher deductible, lower coverage limit and lower reimbursement rate reduces the cost of your plan. A lower deductible, higher coverage limit and higher reimbursement rate increases your monthly cost.

    What’s covered:

    • Allergies and other chronic conditions
    • Alternative and holistic care
    • Broken bones
    • Diagnostic testing
    • Toxic ingestion
    • Foreign body ingestion
    • Prescription medication
    • Physical therapy
    • Surgery
    • Hospitalization

    What’s not covered:

    • Any conditions during the plan’s waiting period (two days for accidents, 14 days for illnesses, six months for cruciate ligament problems, and twelve months for curable pre-existing conditions) 
    • Accidents and illnesses resulting from mistreatment or neglect 
    • Congenital and inherited conditions 
    • Exam fees associated with accidents and illnesses 
    • Some types of dental injuries (like teeth grinding) 
    • Preventative care

    CompanionCare can be a flexible and affordable choice for dog and cat owners — though policies come with more exclusions than some other pet insurance providers.

    AccidentCare

    AccidentCare is AKC Pet Insurance’s accident-only coverage option, exclusively available to pets aged eight and older. You’re not able to customize these plans, though they are fairly generous: All AccidentCare plans include unlimited annual coverage, a 90% reimbursement rate and a $100 deductible. 

    What’s covered:

    • Broken bones
    • Lacerations
    • Snake bites
    • Head trauma
    • Diagnostics
    • Emergency care
    • Hospitalization
    • Radiographs

    What’s not covered:

    • Any treatments or diagnostic testing related to illnesses that develop over time, regardless of the cause 
    • Accidents resulting from mistreatment 
    • Exam fees associated with accidents 
    • Most types of dental injuries 
    • Prescription pet food diets 
    • Preventative care

    Though AccidentCare plans are only available to senior pets, they are more affordable overall when compared to CompanionCare options. This can make it a strong choice for pet owners who have older animals and who are shopping on a tight budget. 

    AKC Pet Insurance add-ons

    While the standard AKC Pet Insurance plans have a lot of exclusions – things not covered – you can add coverage for many of them for an extra fee. These add-ons include: 

    • ExamPlus ($2.50 to $12 per month): The ExamPlus add-on extends your coverage to include exam fees associated with illnesses and injuries that qualify for coverage under your policy benefits.
    • BreedingCoverage ($11 to $51 per month): Extends your policy benefits to include accidents and illnesses related to breeding, pregnancy, whelping and nursing.
    • SupportPlus ($2 per month): This add-on provides you with help covering final expenses for necropsy, cremation and urns upon the death of your pet, up to $300. 
    • Defender ($16 per month): The Defender add-on is one of two wellness care options offered by AKC, and includes $305 worth of reimbursement benefits for common routine care items. 
    • DefenderPlus ($27 per month): The DefenderPlus add-on includes $535 worth of annual reimbursement benefits, including coverage for spaying and neutering.

    Pros and Cons of AKC Pet Insurance

    Pros

    Low-cost policies 

    A typical pet insurance policy costs between $20 and $60 per month, on average. Basic plans from AKC Pet Insurance are much cheaper, starting at around $10 per month. This can make AKC a smart choice for pet owners looking for cheap pet insurance

    Covers some pre-existing conditions

    Most pet insurance companies exclude pre-existing conditions for the life of the insured animal, which can be bad news for pet parents who have recently taken their furry friend to the vet. While AKC Pet Insurance doesn’t cover all pre-existing conditions, their policy is among the most generous in the industry: AKC’s policies extend coverage to pre-existing conditions that show no symptoms for 12 months. 

    Support for breeding care 

    Breeding-related injuries and illnesses are excluded from most pet insurance policies. While AKC’s standard plans won’t cover these situations, the insurer’s BreedingCare add-on can help you extend coverage to include breeding-related health needs. 

    24/7 veterinary support 

    AKC Pet Insurance’s policies include access to a 24/7 veterinary care line you can use to ask questions about your pet’s health and behavior. Services are provided by licensed veterinarians, and you can get in touch with the team by phone or text. This resource can help you avoid unnecessary vet bills and exam fees by providing professional guidance if you’re debating whether or not your pet needs emergency care. 

    Cons

    Lots of exclusions

    AKC’s accident and illness plans exclude coverages found with many competing pet insurance policy providers. For example, exam fees related to accidents and illnesses are not covered, nor are hereditary or behavioral conditions. If you’re looking for a catch-all policy that covers everything, a plan from AKC might not be the best choice. 

    Few plan options 

    You’re basically limited to one plan option, depending on the age of your pet. Younger pets do not have the option of an accident-only policy, while older pets cannot get an accident and illness policy. Accident-only policies tend to be more affordable than plans that also include coverage for illnesses, which means that a competitor could be right for you if you’re the owner of a young pet on a very tight budget. 

    Limited dental care

    AKC’s pet insurance policies include caveats that exclude coverage for “gingivitis, periodontal disease, root canals, caps and crowns, vital pulpotomies, deciduous teeth, diseased and abscessed teeth.” The only dental procedure that you’ll be protected against is medically necessary tooth extractions following a traumatic injury on both plans. 

    AKC will not pay your vet directly

    While some pet insurance companies offer to pay your vet directly, AKC does not. This means that you’ll need to be prepared to cover your veterinary care costs upfront at the time of service and file a claim for a reimbursement later. 

    Who AKC Pet Insurance Is Good For

    AKC Pet Insurance offers solid, entry-level plans at a relatively low cost. If you’re on a tight budget but want to know that you’re covered against a major injury or illness, AKC may be the right choice for you. The company may also be a good fit if you’re a dog breeder: AKC Pet Insurance’s breeding care add-on is hard to find at other insurers.

    However, AKC’s policies don’t cover as much as other pet insurance companies — exclusions include exam fees, behavioral conditions and hereditary issues. If you’re worried that your pet’s care might fall through the cracks, AKC might not be the best choice for you.

    How To Get an AKC Pet Insurance Policy

    To get an AKC Pet Insurance policy, you’ll need to go through the following steps. 

    • Get a quote: AKC Pet Insurance offers free quotes online through its website. To view pricing, you’ll need to provide your ZIP code, some details on your pet, and your email address.
    • View coverage: After putting in these pet details, you can view pricing and policy options. You’ll only be able to view add-ons and plans that your pet qualifies for.
    • Customize coverage: If your pet qualifies for an accident and illness plan, you can customize your policy’s reimbursement rate, deductible, and annual payout limit.
    • Enroll: AKC does not require you to receive a veterinary care exam before enrolling in coverage. If your pet qualifies, you can buy your plan entirely online. 

    With an AKC Pet Insurance policy, you’ll need to pay for your veterinary care in full, then file a claim to be reimbursed by the insurance company.

    FAQs About AKC Pet Insurance

    How much does AKC Pet Insurance cost?

    Most pet insurance policyholders will pay between $10 and $50 per month on average for AKC Pet Insurance coverage. Plan costs will vary depending on your pet’s age, breed and species, and well as your deductible and reimbursement percentage. 

    Does AKC insurance cover vaccinations?

    Standard AKC plans do not cover vaccinations, but you can buy this coverage for an additional fee. AKC Pet Insurance’s DefenderPlus add-on includes $40 worth of coverage for vaccinations annually. The company’s standard Defender wellness coverage option offers $30 worth of annual coverage for routine vaccines.

    Does AKC insurance cover spay and neuter services?

    The DefenderPlus add-on option includes coverage for spaying and neutering. These services are not included as standard coverages on either AKC pet insurance plan. 

    Who owns AKC Pet Insurance?

    AKC Pet Insurance is owned by and based out of the offices of the American Kennel Club. The current president of AKC Pet Insurance is Lane Kent. 

    Alternatives to AKC Pet Insurance

    AKC Pet Insurance isn’t the only pet insurance provider in the United States. Consider continuing your search with the following AKC alternatives. 

    • Lemonade: Lemonade is a tech-forward insurance company best known for offering streamlined policy offerings with a mobile app-based claims process. Cat and dog insurance is available through Lemonade from $11 per month. Read our Lemonade review.
    • Spot: If your pet is too young for accident-only coverage from AKC, you might want to consider a policy from Spot. In addition to comprehensive accident and illness plans, it also offers affordable accident-only coverage for pets of all ages. Read our Spot review.
    • ASPCA: Another option for both all-inclusive and accident-only plans, ASPCA offers up to 90% reimbursement rates and comprehensive coverage. Read our ASPCA review.

    Our Methodology

    ​​Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

    • Coverage
    • Plan options
    • Cost 
    • Reputation
    • Customer service 
    • Species available
    • Wellness benefits 

    We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations. 

    Each factor is weighted differently based on the following factors:

    • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
    • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
    • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
    • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
    • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
    • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
    • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

    Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.