Is AKC Pet Insurance Worth It? Full Review 2025
Our Expert's Review of AKC
AKC Pet Insurance, underwritten by Independence American Insurance Company, stands out on the US pet insurance market for its highly modular CompanionCare contract, offering customizable coverage for dogs and cats. The policy features flexible formulas—owners can adjust annual limits, deductibles, and co-insurance rates—while optional add-ons allow coverage for hereditary conditions, wellness care, dental prevention, breeding complications, behavioral therapy, and pre-existing conditions after a 365-day continuous coverage wait. Standard annual and per-incident payout caps apply (amount varies per contract); owners should check their individual declarations. AKC is positioned as one of the few US insurers to cover pre-existing conditions (under certain conditions and in some states), setting it apart from competitors like Trupanion or Embrace but with a lower Trustpilot rating (3.6/5 from over 1,000 reviews). Preventative care budgets are only accessible through optional Defender packages (up to $150/year), while reimbursement rates and deductibles are set per policy. AKC suits owners of purebred animals, puppies or kittens, those needing coverage for hereditary disorders, or seeking flexibility and digital management tools; it's also relevant for budget-minded owners who want to tailor both price and protection. Independence American Insurance Company is well established in the US market, and client feedback highlights highly responsive and knowledgeable customer service; however, claim processing times and approval rates are variable—some see prompt handling, others report complex disputes and delays. Overall, AKC offers robust, personalized coverage but a track record that’s more mixed than some higher-rated US providers.
- Highly customizable plans with flexible limits and deductibles
- Covers curable pre-existing conditions after 365 days (in select states)
- Optional add-ons for hereditary, dental, breeding, prevention, behavior
- Quick online claims submission and digital management tools
- 24/7 veterinary helpline for policyholders
- Partnered with American Kennel Club, strong canine expertise
- Excellent, proactive customer service praised by many clients
- Lower Trustpilot rating (3.6/5) versus main competitors
- Noticeable rate of claim denials for pre-existing or documentation issues
- Premiums can rise sharply, sometimes without advance notice
- Preventive care and dental only with extra paid options
- Processing delays or disputes in some reimbursement cases
- AKC Guarantees
- AKC exclusions
- AKC Rates
- AKC Support
- Customer feedback on AKC
- How to contact AKC?
- FAQ
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AKC Guarantees
AKC Pet Insurance stands out for its highly customizable CompanionCare coverage, allowing clients to select core protection (accident/illness) and layer optional add-ons (wellness, hereditary conditions, dental, reproduction, alternative therapies) to match each pet’s needs. The co-insurance rates, annual deductible, and annual reimbursement limits are all client-selected, offering flexibility, though specifics depend on the individualized Declarations Page—making it essential for clients to review their documents for precise figures. AKC’s main advantage is industry-leading coverage of both curable and incurable pre-existing conditions after 365 days of continuous enrollment, plus unique options for wellness/preventive care, behavior, hereditary, and breeder/reproduction risks. However, major preventive/dental care, congenital/hereditary illnesses, or reproduction are excluded from the base and require extra-cost options; exclusions also impact bilateral conditions, non-medically necessary costs, and there are notable waiting periods for many benefits. In summary, AKC’s modular plans offer rare breadth and flexibility, but total protection requires careful selection, and clients should verify terms as many limitations and exclusions apply.
| Name of Guarantee | CompanionCare (Base Plan) | Defender (Wellness) | DefenderPlus (Extended Wellness) | SupportPlus | ExamPlus | AlternativePlus | HereditaryPlus | Breeder Coverage |
|---|---|---|---|---|---|---|---|---|
| Formula Positioning | Customizable, accident/illness core, add-ons | Wellness add-on | Enhanced wellness add-on | Bereavement | Exam diagnostics | Alternative/behavioral | Hereditary/congenital | Breeding & actions |
| Type of Coverage | Accident and illness | Preventative care | Broader preventative care | Death/cremation | Expanded exams | Alternative & behavioral | Congenital/hereditary | Pregnancy/reproduction |
| Animals Covered | Dogs and cats | Dogs and cats | Dogs and cats | Dogs and cats | Dogs and cats | Dogs and cats | Dogs and cats | Dogs and cats |
| Reimbursement Rate (%) | Set by user on quote; typical 70–90% | N/A (fixed allowance) | N/A (higher allowance) | N/A | Set by base terms | Set by base terms | Set by base terms | Set by base terms |
| Annual Reimbursement Limit | Set by user on quote; range applies | $305/year (approx. sum)* | $435/year (approx. sum)* | $300/year | Set by base terms | $1,000/behavior issue | Set by base terms | Set by base terms |
| Annual/Per-Incident Deductible | Chosen by user, annual | None | None | None | Annual deductible | Annual deductible | Annual deductible | Annual deductible |
| Age Min/Max for Enrollment – Dogs | NC | NC | NC | NC | NC | NC | NC | NC |
| Age Min/Max for Enrollment – Cats | NC | NC | NC | NC | NC | NC | NC | NC |
| Health Questionnaire Needed? | NC | NC | NC | NC | NC | NC | NC | NC |
| Waiting Period for Illness | 14 days standard | N/A | N/A | 0 days | 0 days | 30 days | 30 days | 30 days |
| Waiting Period for Accident | 2 days standard | N/A | N/A | 0 days | 0 days | 30 days | 30 days | 30 days |
| Lifetime Cover If Enrolled? | Yes, if continuously renewed | Yes, if base applies | Yes, if base applies | Yes, if base applies | Yes, if base applies | Yes, if base applies | Yes, if base applies | Yes, if base applies |
| Vet Consults (routine, emergency etc.) | Covered if medically necessary | Not covered; only base | Not covered; only base | Not covered | Included (diagnostics) | Covered like base | Covered like base | Covered like base |
| Prescription Medications | Yes, if prescribed for covered event | Not covered | Not covered | Not covered | Covered like base | Covered like base | Covered like base | Covered like base |
| Hospitalization | Yes, covered | Not covered | Not covered | Not covered | Covered like base | Covered like base | Covered like base | Covered like base |
| Ambulance Fees | Yes, animal ground ambulance covered | Not covered | Not covered | Not covered | Covered like base | Covered like base | Covered like base | Covered like base |
| Surgery, Anesthesia | Yes, covered | Not covered | Not covered | Not covered | Covered like base | Covered like base | Covered like base | Covered like base |
| Scans/Imaging (CT, MRI, Ultrasound) | Yes, covered | Not covered | Not covered | Not covered | Covered like base | Covered like base | Covered like base | Covered like base |
| Laboratory Analyses | Yes, covered | Some exams in wellness cap | More exams in cap | Not covered | Covered like base | Covered like base | Covered like base | Covered like base |
| Radiotherapy | Yes, covered | Not covered | Not covered | Not covered | Covered like base | Covered like base | Covered like base | Covered like base |
| Dental Treatment | Accident-only (broken teeth) | Not covered | Cleaning and preventive in cap | Not covered | Not covered | Not covered | Not covered | Not covered |
| Dental Scaling | Excluded | Not covered | Included in wellness cap | Not covered | Not covered | Not covered | Not covered | Not covered |
| Prevention Bundle/Limit & Inclusions | Not included | ~ $305/year: vaccines, routine, microchip | ~ $435/year: more tests, cleaning, spay/neuter | Not covered | Not covered | Not covered | Not covered | Not covered |
| Alternative Therapy (acupuncture etc.) | Covered if medical (optional in base; extra) | Not covered | Not covered | Not covered | Not covered | Covered ($1,000/yr for behavioral) | Not covered | Not covered |
| Prescribed Diet/Therapeutic Food | Not covered unless medically necessary | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered |
| Countries Covered / Travel | USA, US territories, Canada | Same as base | Same as base | Same as base | Same as base | Same as base | Same as base | Same as base |
| Death / Cremation | Not covered | Not covered | Not covered | $300/year cap | Not covered | Not covered | Not covered | Not covered |
| Euthanasia | Covered if veterinary-recommended | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered |
| Theft/Loss/Recovery | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered |
| Boarding/Kennel Fees | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered |
Good to know
- All deductible/co-insurance/limit values are fully custom, visible only on the policyholder’s Declarations Page—they can vary widely by pet/owner.
- Bilateral conditions (e.g., ACL, eyes, hips) are only covered if neither side showed symptoms before policy effect; otherwise, both can be excluded.
- Pre-existing conditions (curable/uncurable) may be covered—but only after 365 days of uninterrupted coverage, and not in all states.
- Some waiting periods are long: e.g., 180 days for IVDD and cruciate ligament injuries; 30 days for many special options.
- Reproductive, hereditary, dental cleaning/scaling, behavioral or wellness/prevention costs are excluded unless the respective option is purchased.
AKC exclusions
Exclusions under the AKC CompanionCare contract are generally in line with US market standards (pre-existing conditions, experimental treatments, non-medically necessary care), but some distinctions are noteworthy. Bilateral conditions are systematically excluded if one side was affected prior to coverage—this approach is stricter than some competitors, potentially impacting breeds predisposed to such issues. Coverage for hereditary, congenital, reproductive, dental, and preventive care strictly requires relevant add-on options—without these, all related claims are excluded regardless of medical necessity. Claims for expenses incurred outside the US, its territories, or Canada are also excluded, narrowing geographic scope compared to a few global competitors. Non-compliance with annual veterinary visits or preventive care recommendations leads to claim denials, a condition stringently enforced and less commonly detailed with other insurers.
| Exclusions | Details |
|---|---|
| Medical Exclusions | - Pre-existing conditions (prior to waiting period) - Bilateral conditions (the second side is excluded if one was affected before coverage) - Hereditary or congenital diseases (unless HereditaryPlus option is taken) - Preventive care (vaccinations, check-ups, antiparasitics) unless Prevention option - Dental care except accident-related extractions or dental option - Sterilization unless dental/prevention option - Complications from non-compliance with veterinary advice - Obesity without an underlying medical condition - Reproductive disorders (unless Breeder Coverage is taken) - Experimental treatments or medications |
| Geographic Exclusions | - Care outside the US, its territories/possessions, or Canada - Extended overseas travel (no coverage outside listed areas) |
| Identification/Administrative | - Change of pet ownership (contract not transferable) - Claims submitted after 180 days from the vet visit - Insufficient documentation or late submission |
| Behavioral and Activity Exclusions | - Participation in excluded activities (racing, security, etc.) - Behavioral conditions unless AlternativePlus option is taken |
| Legal/Fraud/Force Majeure | - Fraudulent claims or intentional acts - Force majeure events |
- Bilateral conditions (the second side is excluded if one was affected before coverage)
- Hereditary or congenital diseases (unless HereditaryPlus option is taken)
- Preventive care (vaccinations, check-ups, antiparasitics) unless Prevention option
- Dental care except accident-related extractions or dental option
- Sterilization unless dental/prevention option
- Complications from non-compliance with veterinary advice
- Obesity without an underlying medical condition
- Reproductive disorders (unless Breeder Coverage is taken)
- Experimental treatments or medications
- Extended overseas travel (no coverage outside listed areas)
- Claims submitted after 180 days from the vet visit
- Insufficient documentation or late submission
- Behavioral conditions unless AlternativePlus option is taken
- Force majeure events
AKC Rates
Overall, AKC Pet Insurance positions itself at a median to slightly higher price point compared to direct competitors. The flexibility in coverage—from core accident/illness, extended to wellness, hereditary, and breeding conditions—means the premium can quickly rise if multiple options are added, though the essential "CompanionCare" base is priced competitively for average needs. Its unique acceptance of pre-existing conditions after a 365-day wait (subject to state availability) is a strong differentiator, typically found in higher-tiered or more expensive plans elsewhere. As a digital-first provider, AKC achieves some operational cost efficiency, but client feedback and Trustpilot data highlight significant mid-term premium increases, limiting its long-term competitiveness on price. In summary, AKC’s offer suits owners seeking customizable, non-minimalist coverage, but it is not the most economical for basic protection and rate stability.
Important information
Compare all available options before you buy to ensure you’re getting the most cost-effective AKC Pet Insurance plan for your pet’s needs.
| CompanionCare Base | Defender (Wellness) | DefenderPlus (Enhanced Wellness) | CompanionCare + Hereditary | CompanionCare + DefenderPlus + Hereditary | |
|---|---|---|---|---|---|
| Young cat (2–4 yrs) | $15/mo | $30/mo | $37/mo | $21/mo | $43/mo |
| Senior cat (7–8 yrs) | $27/mo | $42/mo | $50/mo | $33/mo | $58/mo |
| Small dog (2–4 yrs) | $22/mo | $37/mo | $44/mo | $30/mo | $50/mo |
| Large dog (2–4 yrs) | $35/mo | $52/mo | $62/mo | $45/mo | $74/mo |
| Senior dog (7–8 yrs) | $56/mo | $78/mo | $90/mo | $68/mo | $107/mo |
- Prices are monthly estimates for standard deductibles and coinsurance, may vary by location, breed, and chosen limits.
- “Defender” options are only available as add-ons to a base plan.
- “Hereditary” covers congenital/genetic conditions, commonly needed for purebreds.
- Quotes reflect typical pricing for plans purchased directly online in the U.S. in 2024.
AKC promo codes
| AKC Promo Codes | Details |
|---|---|
| HelloSafe promo code | -5% on your quote |
Promo codes are subject to change. To get the latest promo codes, please visit our comparison of the best pet insurance offers.
How much will I be reimbursed with AKC?
| Veterinary care | Average price (USD) | Basic formula (CompanionCare) | Wellness option (DefenderPlus) |
|---|---|---|---|
| Consultation/common illness | $100 | Reimbursed up to $80 (excluding deductible) Out-of-pocket: $20 | Not covered Out-of-pocket: $100 |
| Hospitalization/surgery (e.g., fracture) | $1,500 | Reimbursed up to $1,200 (excluding deductible) Out-of-pocket: $300 | Not covered Out-of-pocket: $1,500 |
| Castration/Sterilization | $300 | Not covered Out-of-pocket: $300 | Reimbursed $150 (excluding deductible) Out-of-pocket: $150 |
| Annual routine vaccines | $80 | Not covered Out-of-pocket: $80 | Reimbursed $55 ($15 rabies + $40 others)* Out-of-pocket: $25 |
| Annual wellness exam | $70 | Not covered Out-of-pocket: $70 | Reimbursed $50 (excluding deductible) Out-of-pocket: $20 |
Out-of-pocket: $20
Out-of-pocket: $100
Out-of-pocket: $300
Out-of-pocket: $1,500
Out-of-pocket: $300
Out-of-pocket: $150
Out-of-pocket: $80
Out-of-pocket: $25
Out-of-pocket: $70
Out-of-pocket: $20
* For vaccines, DefenderPlus allows combining rabies + other vaccines/titration.
Notes: Reimbursement amounts for CompanionCare are estimated based on 80% coverage after deductible, in line with market standards; refer to your Declarations Page for the exact percentage, annual deductible, and limits. For preventative care (vaccines, sterilization…), only wellness options include these procedures. All amounts are shown before deductible where applicable.
AKC Support
AKC Pet Insurance distinguishes itself by offering 24/7 veterinary assistance, which is a vital feature for pet owners needing emergency support or immediate advice at any time.
The application TailTrax enables digital claims management and health record access, but user feedback highlights a moderate experience and doesn’t rank it among sector-leading apps for UX or functionality.
There is no advance payment solution (such as CareCredit or Payvet), meaning insureds must pay veterinary bills upfront before seeking reimbursement.
While claims can be submitted through several digital channels and all licensed veterinarians, there is no proprietary partner clinic network or direct payment mechanism, which can limit convenience in urgent situations.
Coverage extends to the U.S., its territories, and Canada but excludes any other international destination, and reimbursement is strictly post-care, with no cashless facility.
| Assistance AKC | Available? | Details |
|---|---|---|
| Advance payment | ❌ | - No advance payment system. - Insured pays vet directly and claims reimbursement. |
| Payment facilities | ❌ | No mention of installment plans or split premium payment options. |
| Mobile application | ✅ | - TailTrax app available (iOS, Android), rating ~3.6/5 on Trustpilot. - Allows claims submission, document management, community features. - Not recognized as a benchmark for UX in the market. |
| Digital claims management | ✅ | - Claims can be submitted by app, portal, email, fax, or mail. - No real-time reimbursement, only after claim review. |
| Veterinary emergency | ✅ | - 24/7 Vet Helpline accessible for medical guidance. - No direct emergency payment to clinics. |
| Clinic & vet network | ❌ | - No proprietary or partner clinic network. - Clients can use any licensed vet in covered regions. |
| Overseas coverage | ❌ | - Coverage applies only in the U.S., its territories/possessions, and Canada. - No coverage for treatment or reimbursement outside these areas. |
- Insured pays vet directly and claims reimbursement.
- Allows claims submission, document management, community features.
- Not recognized as a benchmark for UX in the market.
- No real-time reimbursement, only after claim review.
- No direct emergency payment to clinics.
- Clients can use any licensed vet in covered regions.
- No coverage for treatment or reimbursement outside these areas.
Customer feedback on AKC
| Review Site | Rating and Number of Reviews |
|---|---|
| Trustpilot | 3.6 out of 5 (1,077 reviews) |
We have analyzed reviews from the site listed above. On the positive side, policyholders who have subscribed to AKC Pet Insurance for their pets often mention:
- The professionalism and responsiveness of customer service: representatives are frequently praised for their empathy, clear explanations, and ability to assist during stressful or urgent situations.
- The speed and efficiency of claim processing: many customers state that their claims were handled and reimbursed quickly, making the experience smooth and reassuring.
- A user-friendly digital experience: the online portal, mobile app, and 24/7 vet helpline are valued for simplifying document submission and providing immediate support.
- Clear communication about coverage options: customers appreciate receiving thorough advice to tailor the policy to their pet’s specific needs.
On the negative side:
- A high rate of claim denials is reported, often due to disputes over pre-existing conditions, medical history interpretation, or technicalities with documentation, causing significant frustration.
- Premium increases are sometimes substantial and implemented without prior notice, leading to dissatisfaction and concerns about long-term affordability.
- Several clients have experienced cancellations or abrupt changes to their contracts (such as immediate termination after a claim or payment issues) with little advance communication, making the experience feel insecure.
- The appeals process for denied claims is described as complex or burdensome, requiring persistent follow-up to obtain a favorable outcome.
- Loyalty is perceived as unrewarded, with long-standing customers stating they do not get benefits or stability for their continued business.
How to contact AKC?
| AKC Customer Service | Details |
|---|---|
| To get a quote or purchase online | You can use the HelloSafe best pet insurance comparison tool, choose the formula that suits you, and click to get a quote. For direct quote/application with AKC: - Go to www.akcpetinsurance.com. - Click "Get a Quote" and fill out the pet info (dogs or cats, breed, age, zip, etc.). - For phone support: 1-866-725-2747. |
| To request and track a reimbursement | 1. Pay your vet directly. 2. Submit your claim (up to 180 days after treatment): • Via the AKC customer portal, • by email to [email protected], • via mail: AKC Pet Insurance, PO Box 2150, Buffalo, NY 14240-2150, • via fax: 1-919-859-8193, • or via the TailTrax mobile app. Documents required: claim form, itemized invoice, proof of payment, vet records if requested. Reimbursement issued by check or direct deposit. Average observed reimbursement time: Claims processed quickly, often within 5–7 business days after receiving all documents. For follow-up/tracking: - Online portal, - Call 1-866-725-2747, - Or email [email protected]. |
| To obtain a certificate of insurance | Log in to your AKC customer account to download your certificates and policy documents. Or request it by: - Email: [email protected], - Phone: 1-866-725-2747, - Mail: AKC Pet Insurance, PO Box 2150, Buffalo, NY 14240-2150. |
| To contact assistance | For 24/7 veterinary advice, use the Vet Helpline by logging into your customer account or calling 1-866-725-2747. For emergencies or general support: - Phone: 1-866-725-2747 (Monday–Friday, business hours). Email: [email protected]. Mail: AKC Pet Insurance, PO Box 2150, Buffalo, NY 14240-2150. Live chat may also be available on website. |
| To cancel my contract | You may cancel at any time. Process: - Send your request with policy number and request to cancel (no special form required; email, mail, or phone accepted). - Attach policy documentation (or provide sufficient identification info). - If canceling within 30 days of taking out the policy, full refund if no claims have been made. - After 30 days: pro-rata refund of the unused premium. - No notice period stated (immediate effect possible). Contacts: • Email: [email protected] • Phone: 1-866-725-2747 • Mail: AKC Pet Insurance, PO Box 2150, Buffalo, NY 14240-2150 |
For direct quote/application with AKC:
- Go to www.akcpetinsurance.com.
- Click "Get a Quote" and fill out the pet info (dogs or cats, breed, age, zip, etc.).
- For phone support: 1-866-725-2747.
2. Submit your claim (up to 180 days after treatment):
• Via the AKC customer portal,
• by email to [email protected],
• via mail: AKC Pet Insurance, PO Box 2150, Buffalo, NY 14240-2150,
• via fax: 1-919-859-8193,
• or via the TailTrax mobile app.
Documents required: claim form, itemized invoice, proof of payment, vet records if requested.
Reimbursement issued by check or direct deposit.
Average observed reimbursement time: Claims processed quickly, often within 5–7 business days after receiving all documents.
For follow-up/tracking:
- Online portal,
- Call 1-866-725-2747,
- Or email [email protected].
Or request it by:
- Email: [email protected],
- Phone: 1-866-725-2747,
- Mail: AKC Pet Insurance, PO Box 2150, Buffalo, NY 14240-2150.
For emergencies or general support:
- Phone: 1-866-725-2747 (Monday–Friday, business hours).
Email: [email protected].
Mail: AKC Pet Insurance, PO Box 2150, Buffalo, NY 14240-2150.
Live chat may also be available on website.
Process:
- Send your request with policy number and request to cancel (no special form required; email, mail, or phone accepted).
- Attach policy documentation (or provide sufficient identification info).
- If canceling within 30 days of taking out the policy, full refund if no claims have been made.
- After 30 days: pro-rata refund of the unused premium.
- No notice period stated (immediate effect possible).
Contacts:
• Email: [email protected]
• Phone: 1-866-725-2747
• Mail: AKC Pet Insurance, PO Box 2150, Buffalo, NY 14240-2150
FAQ
Do I have to pay the vet bill upfront with AKC Pet Insurance?
With AKC Pet Insurance, you must pay your veterinarian directly at the time of care. AKC does not offer a direct-pay or third-party billing system (like Payvet). After your visit, you submit a claim with paid invoices, and AKC will reimburse eligible expenses based on your policy.
How do I cancel my AKC pet insurance policy?
You can cancel your AKC Pet Insurance policy at any time by notifying the company in writing (email, mail, or phone is accepted). There is no mandatory notice period, though it’s recommended to request confirmation of the cancellation. Attach your policy or account details; unused premiums will be refunded on a pro-rata basis.
Are pre-existing conditions covered by AKC Pet Insurance?
AKC Pet Insurance stands out for offering coverage for both curable and incurable pre-existing conditions, but only after 365 days of continuous coverage with no break. This feature may not be available in all states, so check your policy for specific conditions.
Does AKC Pet Insurance cover preventive care and dental cleaning?
Preventive care like vaccinations, annual check-ups, or routine dental cleanings is not included in the standard plan. However, you can add optional coverage (Defender or DefenderPlus) that reimburses certain preventive services, including wellness exams, vaccinations, and dental cleaning up to the annual limits outlined in your plan.
What are the main exclusions with AKC Pet Insurance?
Exclusions include expenses related to pre-existing conditions (until covered), bilateral conditions when one side was affected before coverage, routine/preventive care (unless you added an option), elective procedures, food and supplements, breeding (unless you purchased the Breeder option), and non-US/Canada incidents. Always review your Declarations Page for policy-specific limits and exclusions.
Do I have to pay the vet bill upfront with AKC Pet Insurance?
With AKC Pet Insurance, you must pay your veterinarian directly at the time of care. AKC does not offer a direct-pay or third-party billing system (like Payvet). After your visit, you submit a claim with paid invoices, and AKC will reimburse eligible expenses based on your policy.
How do I cancel my AKC pet insurance policy?
You can cancel your AKC Pet Insurance policy at any time by notifying the company in writing (email, mail, or phone is accepted). There is no mandatory notice period, though it’s recommended to request confirmation of the cancellation. Attach your policy or account details; unused premiums will be refunded on a pro-rata basis.
Are pre-existing conditions covered by AKC Pet Insurance?
AKC Pet Insurance stands out for offering coverage for both curable and incurable pre-existing conditions, but only after 365 days of continuous coverage with no break. This feature may not be available in all states, so check your policy for specific conditions.
Does AKC Pet Insurance cover preventive care and dental cleaning?
Preventive care like vaccinations, annual check-ups, or routine dental cleanings is not included in the standard plan. However, you can add optional coverage (Defender or DefenderPlus) that reimburses certain preventive services, including wellness exams, vaccinations, and dental cleaning up to the annual limits outlined in your plan.
What are the main exclusions with AKC Pet Insurance?
Exclusions include expenses related to pre-existing conditions (until covered), bilateral conditions when one side was affected before coverage, routine/preventive care (unless you added an option), elective procedures, food and supplements, breeding (unless you purchased the Breeder option), and non-US/Canada incidents. Always review your Declarations Page for policy-specific limits and exclusions.
