AKC Pet Insurance Review 2025: Pros, Cons & What's Really Covered
Our expert's opinion on AKC
AKC Pet Insurance offers the CompanionCare accident-and-illness plan with customizable annual limits, multiple deductible options, and optional add-ons for preventive and hereditary care.
CompanionCare supports reimbursement choices of 70%, 80%, or 90%, annual limits from $2,500 up to unlimited, and a range of deductibles; wellness-style coverage is available via optional Defender/DefenderPlus and other add-ons rather than a standard wellness budget, and AKC positions itself competitively against mainstream UK/US pet insurers by emphasizing flexible limits, lifetime cover, and modular add-ons while using tiered pricing that can be economical for younger pets and mid-range for older animals compared with some full-coverage rivals.
Best suited for owners of young to middle-aged pets, budget-conscious buyers who want configurable limits, and those seeking lifetime accident-and-illness coverage with optional preventive add-ons.
AKC Pet Insurance (mailing address in Buffalo, NY) carries a visible online reputation with a Trustpilot score of 3.2/5 from 1,079 reviews; customers report both quick claim reimbursements and occasional denials tied to pre-existing or add-on coverage limits, and claims must be submitted with itemized invoices within 180 days with appeals possible via a redetermination form within 60 days.
- ✅Customizable annual limits up to unlimited
- ✅Reimbursement options of 70%, 80%, or 90%
- ✅Lifetime cover for ongoing conditions
- ✅Optional preventive and hereditary add-ons
- ✅24/7 vet helpline included
- ✅Emergency ground ambulance coverage
- ✅Competitive pricing for younger pets
- ❌Preventive care and many services require add-ons
- ❌Pre-existing conditions and waiting periods strictly enforced
- ❌Customer reports of claim denials and documentation issues
- ❌Premium increases reported by customers
- ❌Limited coverage for parasites and routine dental care
Our expert's opinion on AKC
- ✅Customizable annual limits up to unlimited
- ✅Reimbursement options of 70%, 80%, or 90%
- ✅Lifetime cover for ongoing conditions
- ✅Optional preventive and hereditary add-ons
- ✅24/7 vet helpline included
- ✅Emergency ground ambulance coverage
- ✅Competitive pricing for younger pets
- ❌Preventive care and many services require add-ons
- ❌Pre-existing conditions and waiting periods strictly enforced
- ❌Customer reports of claim denials and documentation issues
- ❌Premium increases reported by customers
- ❌Limited coverage for parasites and routine dental care
Score- ✅Customizable annual limits up to unlimited
- ✅Reimbursement options of 70%, 80%, or 90%
- ✅Lifetime cover for ongoing conditions
- ✅Optional preventive and hereditary add-ons
- ✅24/7 vet helpline included
- ✅Emergency ground ambulance coverage
- ✅Competitive pricing for younger pets
CompanionCare supports reimbursement choices of 70%, 80%, or 90%, annual limits from $2,500 up to unlimited, and a range of deductibles; wellness-style coverage is available via optional Defender/DefenderPlus and other add-ons rather than a standard wellness budget, and AKC positions itself competitively against mainstream UK/US pet insurers by emphasizing flexible limits, lifetime cover, and modular add-ons while using tiered pricing that can be economical for younger pets and mid-range for older animals compared with some full-coverage rivals.
Best suited for owners of young to middle-aged pets, budget-conscious buyers who want configurable limits, and those seeking lifetime accident-and-illness coverage with optional preventive add-ons.
AKC Pet Insurance (mailing address in Buffalo, NY) carries a visible online reputation with a Trustpilot score of 3.2/5 from 1,079 reviews; customers report both quick claim reimbursements and occasional denials tied to pre-existing or add-on coverage limits, and claims must be submitted with itemized invoices within 180 days with appeals possible via a redetermination form within 60 days.
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AKC Guarantees
AKC offers a primary, customizable plan called CompanionCare that is positioned to serve a range of needs from entry-level to premium through selectable deductibles, reimbursement levels and annual limits. The plan covers accidents and illnesses as its core offering, and policyholders can choose reimbursement rates (70%, 80%, or 90%), a variety of annual reimbursement limits (including $2,500, $5,000, $10,000 or unlimited), and different deductible/coinsurance configurations. Several optional add‑ons are available to extend benefits for preventive services, hereditary or congenital conditions, exam fees, dental care and end‑of‑life support.
Key coverage features include emergency treatment, surgery, imaging and laboratory diagnostics, emergency ground ambulance transport, and lifetime coverage for eligible conditions. Consultations, routine preventive care, dental cleanings, vaccinations and identification services are available only as optional add‑ons (ExamPlus, Defender, DefenderPlus, SupportPlus, HereditaryPlus, etc.).
Waiting periods include a 2‑day accident waiting period and a 14‑day illness waiting period; certain conditions have extended waiting rules tied to hereditary or orthopedic exclusions.
Strengths of the offering include customization across limits, deductibles and reimbursement percentages, lifetime coverage, inclusion of emergency ground ambulance transport, and access to a 24/7 vet helpline. Main limitations include reliance on paid add‑ons for preventive, dental and some hereditary coverages, substantive exclusions for pre‑existing and certain hereditary/orthopedic conditions unless optional coverages are purchased, and specific restrictions on fees, transport and administrative costs.
| Basic (Ded $100, 80% reimb., Unlimited annual) | Custom (Ded $1,000, 70% reimb., $2,500 annual) | Custom (Ded $500, 80% reimb., $5,000 annual) | Custom (Ded $250, 90% reimb., $10,000 annual) | |
|---|---|---|---|---|
| Plan positioning | Entry-level | Balanced | Enhanced | Premium |
| Type of coverage | Accident & Illness | Accident & Illness | Accident & Illness | Accident & Illness |
| Animals covered | Dogs, cats | Dogs, cats | Dogs, cats | Dogs, cats |
| Reimbursement rate | 80% (coinsurance 20%) | 70% | 80% | 90% |
| Annual reimbursement limit | Unlimited | $2,500 | $5,000 | $10,000 |
| Deductible (annual or per claim) | $100 (sample/incident basis indicated) | $1,000 (sample) | $500 (sample) | $250 (sample) |
| Age limits for enrollment | NC | NC | NC | NC |
| Pre-enrollment health questionnaire | NC | NC | NC | NC |
| Waiting period (accident) | 2 days | 2 days | 2 days | 2 days |
| Waiting period (illness) | 14 days | 14 days | 14 days | 14 days |
| Lifetime coverage | Yes | Yes | Yes | Yes |
| Consultations | No (optional ExamPlus) | No (optional ExamPlus) | No (optional ExamPlus) | No (optional ExamPlus) |
| Medications | NC | NC | NC | NC |
| Hospitalization | Yes | Yes | Yes | Yes |
| Surgery | Yes | Yes | Yes | Yes |
| Diagnostic tests | Yes (imaging, lab tests) | Yes | Yes | Yes |
| Dental care | No (optional DefenderPlus) | No (optional DefenderPlus) | No (optional DefenderPlus) | No (optional DefenderPlus) |
| Preventive care | No (optional Defender / DefenderPlus) | No (optional Defender / DefenderPlus) | No (optional Defender / DefenderPlus) | No (optional Defender / DefenderPlus) |
| Alternative medicine | Yes | Yes | Yes | Yes |
| Travel coverage | NC | NC | NC | NC |
| Civil liability | NC | NC | NC | NC |
| Euthanasia | Yes (euthanasia covered) | Yes | Yes | Yes |
| Death & cremation coverage | Cremation No (optional SupportPlus) | Cremation No (optional SupportPlus) | Cremation No (optional SupportPlus) | Cremation No (optional SupportPlus) |
| Theft or loss + search expenses | NC | NC | NC | NC |
| Boarding fees | No | No | No | No |
Exclusions and key limitations: Pre‑existing conditions are excluded—this includes any condition that showed signs or symptoms, received treatment, or was diagnosed before the policy effective date or during applicable waiting periods. Bilateral conditions are treated so that a prior condition on one side can render the corresponding condition on the other side pre‑existing. Certain orthopedic conditions (for example, IVDD and cruciate ligament issues) are subject to extended waiting rules and exclusion treatment unless specific hereditary/orthopedic cover is purchased.
Routine and preventive services are excluded from base coverage: wellness exams, vaccinations, parasite prevention, spaying/neutering, grooming and routine dental prophylaxis are not covered unless the corresponding optional add‑ons are selected. Congenital and inherited conditions are excluded unless the optional HereditaryPlus (or equivalent) coverage is purchased. Cosmetic, elective and breeding‑related procedures are excluded unless a specific breeder or elective add‑on is in force.
Other limitations include exclusions for owner‑caused or intentional injury, conditions related to occupational or organized activities (racing, fighting, law enforcement activities), and limits on certain repeated events or procedures tied to the same root cause (for example, repeated foreign body incidents). Nonmedical fees and certain transport types (air ambulance, non‑emergency pet ambulance) and administrative charges are not covered. Certain end‑of‑life expenses such as cremation and urns are available only with an optional SupportPlus add‑on.
AKC Exclusions
AKC’s exclusions emphasize a stringent pre‑existing condition standard—including a 365‑day look‑back and a bilateral rule that treats conditions on the opposite side as pre‑existing—plus specific 180‑day waiting periods for IVDD and cruciate ligament issues, which is notably longer than many competitors.
Congenital and hereditary conditions are generally excluded unless the optional HereditaryPlus endorsement is purchased, making genetic coverage explicitly rider‑dependent.
Routine preventive services are available only via add‑ons, while elective and cosmetic procedures, obesity treatment (unless secondary to a medical condition), experimental therapies, organ/tissue transplants, and most dental disease treatments are excluded.
Administrative, transportation, and non‑medical costs (taxes, boarding, house calls), injuries from racing/fighting or war‑related events, and final expenses like cremation are also excluded unless specifically covered by optional endorsements.
| Exclusions | Details |
|---|---|
| Pre‑existing & waiting period rules |
|
| Hereditary & congenital conditions |
|
| Dental disease & oral surgery |
|
| Breeding & reproductive exclusions |
|
| Elective & cosmetic procedures |
|
| Experimental & specialized treatments |
|
| Owner conduct & repeat incidents |
|
| Non‑medical & administrative exclusions |
|
| Transportation & emergency limits |
|
| Parasites & preventable conditions |
|
| External events & activities |
|
| Final expenses & optional coverage |
|
- Conditions showing signs before policy start or during waiting periods are excluded
- 365‑day pre‑existing look‑back and bilateral condition rule (other‑side conditions considered pre‑existing)
- IVDD and cruciate ligament conditions subject to a 180‑day waiting period
- Congenital and inherited conditions (e.g., hip dysplasia, diabetes) excluded unless HereditaryPlus purchased
- Gingivitis, periodontal disease, root canals, caps, crowns excluded
- Extractions for accidental tooth fractures may be covered; routine dental cleanings not listed here (wellness add‑on)
- Breeding, pregnancy, whelping, and nursing excluded unless Breeder Coverage purchased
- Elective cosmetic surgeries and procedures (e.g., tail docking, ear cropping, declawing) excluded
- Experimental or investigational treatments excluded
- Organ and tissue transplants, prostheses excluded
- Intentional, neglectful, or preventable acts excluded
- Conditions from failure to follow veterinary advice excluded
- Repetitive, activity‑related recurrent issues (e.g., repeated foreign‑body ingestion) limited/excluded
- Sales tax, medical waste fees, administrative fees excluded
- Boarding and non‑emergency transportation excluded
- Air ambulance and non‑emergency pet transport excluded; emergency ground ambulance covered per plan details
- Internal and external parasites excluded (e.g., fleas, ticks, heartworm)
- Injuries or illnesses from racing, organized fighting, law enforcement activities, war, rebellion, nuclear contamination, pandemics, or similar events excluded
- Cremation, urns, and related final expenses excluded unless SupportPlus or similar optional coverage is purchased
AKC Prices
AKC positions CompanionCare as a mid‑range provider with strong configurability: base options keep monthly costs approachable, while higher reimbursement choices, lower deductibles, and elevated annual limits (including an unlimited option) move the plan toward the premium end of the spectrum. The presence of a true lifetime cover option and multiple coinsurance tiers means policyholders can tailor protection from budget‑conscious to more comprehensive depending on how much they want to pay monthly versus potential out‑of‑pocket exposure.
Reimbursement rate selections (70%, 80%, 90%), deductible choices, and several annual limit levels are the primary levers that determine value and competitiveness—higher reimbursements and lower deductibles increase premiums but reduce per‑claim expense, while higher limits (or unlimited annual limits) protect against catastrophic costs. AKC’s added‑value elements—24/7 Vet Helpline, emergency ground ambulance coverage, optional add‑ons for exams, preventive and hereditary conditions, and support packages—help justify higher price points in some configurations by expanding service breadth and convenience compared with more traditional, less modular offerings.
To help you find the best match between your needs and budget, compare the monthly estimated prices below.
| Profile of the animal | Basic (Deductible $100, Coinsurance 20%, Incident Limit $500, Annual Limit Unlimited) | Custom (Deductible $1000, Coinsurance 30%, Annual Limit $2500) | Custom (Deductible $500, Coinsurance 20%, Annual Limit $5000) | Custom (Deductible $250, Coinsurance 10%, Annual Limit $10000) |
|---|---|---|---|---|
| Dog Labrador 1 year | $68.04 | $27.53 | $51.94 | $114.61 |
| Dog Labrador 3 years | $35.74 | $27.44 | $51.75 | $114.21 |
| Dog Labrador 7 years | $77.83 | $59.74 | $112.71 | $248.71 |
| Dog Australian Shepherd 1 year | $26.16 | $20.08 | $37.90 | $83.64 |
| Dog Australian Shepherd 3 years | $26.08 | $20.02 | $37.77 | $83.34 |
| Dog Australian Shepherd 7 years | $56.80 | $43.59 | $82.26 | $181.50 |
| Dog French Bulldog 1 year | $52.19 | $40.05 | $75.58 | $99.01 |
| Dog French Bulldog 3 years | $52.02 | $39.92 | $75.32 | $98.67 |
| Dog French Bulldog 7 years | $113.27 | $86.93 | $164.02 | $361.92 |
| Cat European Shorthair 1 year | $18.55 | $14.23 | $26.85 | $59.25 |
| Cat European Shorthair 3 years | $38.53 | $13.12 | $24.76 | $32.43 |
| Cat European Shorthair 7 years | $30.21 | $23.19 | $43.74 | $96.51 |
| Cat Maine Coon 1 year | $23.94 | $18.38 | $34.66 | $76.49 |
| Cat Maine Coon 3 years | $22.07 | $16.94 | $31.97 | $70.54 |
| Cat Maine Coon 7 years | $39.00 | $29.93 | $56.46 | $124.58 |
| Cat British Shorthair 1 year | $18.55 | $14.23 | $26.85 | $59.25 |
| Cat British Shorthair 3 years | $17.11 | $13.12 | $24.76 | $54.64 |
| Cat British Shorthair 7 years | $30.21 | $23.19 | $43.74 | $96.51 |
AKC promo codes
| AKC Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
What is the reimbursement amount with AKC?
AKC reimburses eligible veterinary expenses by subtracting your annual deductible from the covered cost and then paying the chosen reimbursement percentage (examples use the highest-tier 90% reimbursement and an Unlimited annual limit).
✅ Example 1: Consultation for allergic dermatitis
Total vet costs: $220 (consultation + medication)
Deductible amount to subtract: $100 (this is the first eligible expense of the policy year)
Amount reimbursable after deductible with the highest‑tier CompanionCare (90%): $220 − $100 = $120
90% of that amount reimbursed: $120 × 90% = $108
Remaining out-of-pocket cost: $220 − $108 = $112
👉 You receive a reimbursement of $108.
ℹ️ *The annual deductible applies once per policy year; after it’s met, later eligible medical costs are reimbursed at your plan percentage.*
✅ Example 2: Cruciate ligament surgery (TPLO)
Total vet costs: $7,500 (surgery, implants, imaging, hospitalization, medications)
Deductible amount to subtract: $0 (deductible already met earlier in the policy year)
Amount reimbursable after deductible with the highest‑tier CompanionCare (90%): $7,500 − $0 = $7,500
90% of that amount reimbursed: $7,500 × 90% = $6,750
Remaining out-of-pocket cost: $7,500 − $6,750 = $750
👉 You receive a reimbursement of $6,750.
ℹ️ *With an Unlimited annual limit this full reimbursement is payable; with lower annual limits the payment would be capped and reduce your remaining benefit for the year.*
✅ Example 3: Annual wellness exam and core vaccinations (Defender/DefenderPlus add-on)
Total vet costs: $180 (wellness exam + core vaccines)
Deductible amount to subtract: $0 (wellness add-on benefits typically do not apply the standard medical deductible)
Amount reimbursable after deductible with the highest‑tier CompanionCare + wellness add-on (90%): $180 − $0 = $180
90% of that amount reimbursed: $180 × 90% = $162
Remaining out-of-pocket cost: $180 − $162 = $18
👉 You receive a reimbursement of $162.
ℹ️ *Preventive care is covered only if the appropriate wellness add-on is selected; wellness benefits may have separate sublimits or terms distinct from medical coverage.*
AKC Assistance
AKC includes a 24/7 vet helpline for triage and guidance and covers emergency ground ambulance, both practical for immediate decision-making and urgent transport.
CompanionCare is highly customizable with multiple reimbursement tiers and optional riders for preventive, hereditary, and exam-related coverages, allowing owners to tailor protection to clinical needs and budgets.
Short waiting periods for accidents (2 days) and illnesses (14 days), combined with lifetime renewal options, support rapid access to care and long‑term continuity of cover.
Claims are processed via a formal claims workflow with a customer portal and required itemized claim forms, so policyholders should verify at purchase whether in‑clinic direct billing or a dedicated mobile claims app will be available.
| Assistance AKC | Available? | Details |
|---|---|---|
| Advance payment | N.C. | N.C. |
| Payment facilities | N.C. | N.C. |
| Mobile app | N.C. | N.C. |
| Paperless claims process | N.C. | Claims require a completed claim form with itemized invoices. Customer portal exists for policy access. |
| Emergency vet service | ✅ | 24/7 Vet Helpline included with every policy for phone and chat triage. Emergency ground pet ambulance coverage is provided. |
| Vet/clinic partner network | N.C. | N.C. |
| Coverage abroad | N.C. | N.C. |
Customer portal exists for policy access.
Emergency ground pet ambulance coverage is provided.
Customer Reviews on the AKC
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 3.2/5 (1,079 reviews) |
Customers often single out helpful and courteous service representatives who take time to explain cover options, and several reviewers describe straightforward enrollment and timely responses when asking questions. Many policyholders also report quick handling of routine claims and express that having cover provided reassurance during unexpected veterinary expenses.
Concerns frequently raised by reviewers center on claims denials linked to coverage limitations or determinations about pre-existing conditions, and some customers describe frustration with premium increases and the complexity of optional add-ons. A number of accounts mention difficulties with documentation during claims reviews and occasional challenges when seeking cancellations or clearer policy explanations.
Here are some examples of customer reviews:
- L. — 13/03/2025 — “AKC pet insurance was the first option I considered the day I brought my beloved Fiona home… They always responded quickly to our claims. I would most definitely recommend AKC pet insurance to anyone considering pet insurance.”
- N.M. — 03/06/2025 — “My claim was denied on the removal of an undescended testicle in a dog… AKC pet insurance is overpriced and has many add on with coverage… I would not recommend and will be cancelling the policy.”
- H.P. — 11/03/2025 — “AKC Pet Insurance denied all claims related to the condition that led to my dog’s death (bowel obstruction)… left me with over $10,000 of bills…”
Contact AKC
| AKC Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. Online subscription steps and direct website purchase options: N.C. |
| To request and track a reimbursement | Submission process: complete the AKC claim form and submit it with itemized invoices. Submission channels: customer portal or mail (claims must be submitted on a completed claim form with itemized invoices). Required documents: completed claim form and itemized veterinary invoices. Deadlines: claims must be submitted within 180 days of treatment. Claim tracking via the customer portal: N.C. Reimbursement method (payment by check, ACH, or other): N.C. |
| To obtain a certificate of insurance | How to request: request via the customer portal or by written request to the mailing address. Available channels: customer portal and postal mail. Information required to issue a certificate (policy number, pet details, effective dates): N.C. Turnaround time for issuing a certificate: N.C. |
| To contact assistance | Phone: N.C. Email: N.C. Postal mail: AKC Pet Insurance, PO Box 2150, Buffalo, NY 14240-2150. Customer portal: available for policy documents and account management. 24/7 Vet Helpline: included with every policy (access via phone and chat). Other contact channels or local office numbers: N.C. |
| To cancel my policy | Cancellation procedure: N.C. Required information to process cancellation (policy number, owner details, reason): N.C. Notice periods and effective date of cancellation: N.C. Refund and prorated premium conditions upon cancellation: N.C. |
FAQ
Do I have to pay upfront for veterinary fees with AKC?
You generally pay the veterinary bill at the time of service and then submit a claim to AKC for reimbursement.
File claims via the customer portal, mail, or electronic submission with a complete, itemized invoice and medical records.
AKC reimburses according to your chosen coinsurance after the deductible and up to your annual limit.
Electronic claims and full documentation typically speed processing and payouts.
Direct clinic billing or third‑party advance payment programs: N.C.
How do I cancel my pet insurance policy with AKC?
Request cancellation through AKC’s customer service channels: the customer portal, phone, email, fax, or postal mail.
Provide your policy number, pet name, and the requested effective cancellation date to the representative.
Ask for written confirmation of the cancellation and retain it as proof of termination.
AKC will apply any prorated refund or final accounting per your policy terms once the cancellation is processed.
Specific required forms, notice periods, or document lists: N.C.
What are the waiting periods for accident and illness coverage with AKC?
AKC applies a 2‑day waiting period for accidents and a 14‑day waiting period for illnesses before related claims are eligible.
Certain conditions carry extended waiting windows; for example, IVDD and cruciate ligament issues commonly have a 180‑day period.
A condition with prior signs or treatment in the lookback timeframe may be treated as pre‑existing and excluded.
Confirm the exact waiting period for specific conditions on your policy declarations and schedule.
Coverage for an eligible condition begins only after its applicable waiting period has passed.
What reimbursement rates and annual limits does AKC offer?
AKC provides multiple coinsurance options, commonly 70%, 80%, or 90% reimbursement choices.
Annual limits can be selected from $2,500, $5,000, $10,000, or an unlimited option to match your needs.
Your chosen deductible combined with the coinsurance determines your out‑of‑pocket share per claim year.
Payments are issued after the deductible and coinsurance are applied, up to the annual limit you selected.
Always verify your selected coinsurance, deductible, and annual limit on your policy declarations.
Which common conditions and services are excluded from AKC coverage?
Pre‑existing conditions are excluded; bilateral problems are often treated as pre‑existing if one side showed prior signs.
Congenital and hereditary conditions are excluded unless the optional HereditaryPlus add‑on is purchased.
Routine preventive care, elective procedures, most dental work, supplements, and food are not covered without the relevant rider.
Intentional injury, racing/organized fighting, and losses from war or similar disasters are excluded.
Review the policy’s exclusion section closely and consider available add‑ons to fill gaps where needed.
Do I have to pay upfront for veterinary fees with AKC?
You generally pay the veterinary bill at the time of service and then submit a claim to AKC for reimbursement.
File claims via the customer portal, mail, or electronic submission with a complete, itemized invoice and medical records.
AKC reimburses according to your chosen coinsurance after the deductible and up to your annual limit.
Electronic claims and full documentation typically speed processing and payouts.
Direct clinic billing or third‑party advance payment programs: N.C.
How do I cancel my pet insurance policy with AKC?
Request cancellation through AKC’s customer service channels: the customer portal, phone, email, fax, or postal mail.
Provide your policy number, pet name, and the requested effective cancellation date to the representative.
Ask for written confirmation of the cancellation and retain it as proof of termination.
AKC will apply any prorated refund or final accounting per your policy terms once the cancellation is processed.
Specific required forms, notice periods, or document lists: N.C.
What are the waiting periods for accident and illness coverage with AKC?
AKC applies a 2‑day waiting period for accidents and a 14‑day waiting period for illnesses before related claims are eligible.
Certain conditions carry extended waiting windows; for example, IVDD and cruciate ligament issues commonly have a 180‑day period.
A condition with prior signs or treatment in the lookback timeframe may be treated as pre‑existing and excluded.
Confirm the exact waiting period for specific conditions on your policy declarations and schedule.
Coverage for an eligible condition begins only after its applicable waiting period has passed.
What reimbursement rates and annual limits does AKC offer?
AKC provides multiple coinsurance options, commonly 70%, 80%, or 90% reimbursement choices.
Annual limits can be selected from $2,500, $5,000, $10,000, or an unlimited option to match your needs.
Your chosen deductible combined with the coinsurance determines your out‑of‑pocket share per claim year.
Payments are issued after the deductible and coinsurance are applied, up to the annual limit you selected.
Always verify your selected coinsurance, deductible, and annual limit on your policy declarations.
Which common conditions and services are excluded from AKC coverage?
Pre‑existing conditions are excluded; bilateral problems are often treated as pre‑existing if one side showed prior signs.
Congenital and hereditary conditions are excluded unless the optional HereditaryPlus add‑on is purchased.
Routine preventive care, elective procedures, most dental work, supplements, and food are not covered without the relevant rider.
Intentional injury, racing/organized fighting, and losses from war or similar disasters are excluded.
Review the policy’s exclusion section closely and consider available add‑ons to fill gaps where needed.
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