The Pet Insurance Place

The American Kennel Club was founded in 1884 and since that time has been an advocate for our canine family members. In 2003, the AKC partnered with PetPartners, Inc. in order to offer pet insurance to AKC registrants through the AKC Pet Healthcare Plans. In 2004, they were selected by the Cat Fancier’s Association to provide pet insurance to their registrants. Today, they provide pet insurance to both individual pet owners and groups. Your pet does not need to be registered with the AKC or the CFA in order to receive coverage. AKC PetPartners is a member of the North American Pet Health Insurance Association.

Licensed in

All 50 states and Washington, DC.

Enrollment Requirements

Dogs must be between 8 weeks and 9 years; cats must be between 10 weeks and 9 years. If your pet is older than 9 years, he or she may still be eligible for the Accident Plus Plan. You must be a US resident.

Policies for Avians and/or Exotics

No.

Multipet Policies

Each pet must have his or her own individual policy; however, a 5% discount is applied to each policy’s premium when you enroll 2 or more pets.

Deductible

$75 or $125 per-incident, or $125 annually

Maximum

$1,500, $2,000, $3,000, or $5,000 per-incident, and $8,000, $11,000, or $13,000 annually

Co-pay

10% or 20%

Premiums

Premiums may be paid annually or monthly; a $4 billing fee is added when you pay monthly. Premiums depend greatly on what kind of coverage you choose and range from roughly $15 to $130 a month. They are also dependent on the size of your pet and where you live.

Policy Renewal

Policies are renewed annually, and coverage is continuous. In other words, there is no waiting period with each policy renewal and conditions your pet has received treatment for under a previous policy do not become pre-existing. Policy renewal is automatic; you must request a cancellation of your pet’s policy or you will automatically be billed.

Raise Premiums with Age

Yes.

Raise Premiums with Claim Experience

No.

Pays According to Invoice

No, reimbursement is based on what is considered reasonable and customary for your area.

Requires an Exam or Medical Records

No.

Bilateral Conditions Policy

Anterior Cruciate Ligament conditions are considered bilateral conditions. This means that only one leg will be covered for the life of the dog.

Hereditary Disorders

No coverage available.

Congenital Disorders

No coverage available.

Alternative Care

No coverage available.

Prescriptions

Prescription medications are covered.

Wellness Care

Yes, the Wellness Plan and the Wellness Plus Plan cover wellness care.

Dental Care

Periodontal disease is not covered; however, one dental cleaning a year for the prevention of periodontal disease is covered in the Wellness and Wellness Plus plans. Treatment that is deemed medically necessary is available for broken teeth under all policies except the Accident Plus Plan. Broken teeth are not covered under any circumstances with the Accident Plus Plan.

Cancer

Cancerous conditions are covered provided it is not a pre-existing condition and is not considered hereditary.

Pregnancy

No coverage is available.

Travel Coverage

Your pet will receive coverage in all 50 US states and Canada. If you travel outside of these areas, your pet will not be covered.

Riders

Riders are not available with this company.

How Long Until Coverage Begins

Coverage for wellness care, accidents, and injuries begins the day your policy becomes effective. Illness coverage begins 30 days after your policy’ effective date.

Exclusions

Pre-existing conditions, congenital conditions, hereditary conditions, aberrant cilia, dermoid, distichiasis, Entropion/Ectropion etc., CDRM, chronic renal (kidney) failure, deciduous teeth(illness, disease, or trauma), diabetes (insipidus or mellitus), elbow dysplasia (OCD, FCP, UAP), hemophilia, congenital Heart problems including murmurs, failure, cardiomegaly (enlargement of the heart), etc., hip dysplasia, congenital liver conditions, obesity (not due to an underlying medical condition), OCD (including but not limited to the hock, elbow, carpus, and shoulder), osteoarthritis, congenital shunts (including portosystemic shunt), elongated soft palate, stenotic nares, spondylosis, Von Willebrand’s disease, luxating patella, and umbilical hernia. Because policies are issued from state to state, these exclusions may be different in your area. Please be certain to follow the #1 Rule and read the policy.

Select Breeds

No.

Underwriter

Markel Insurance Company, which is part of the Markel Corporation. Markel has an AM Best rating of A ‘Excellent’.

BBB

The AKC pet insurance company is not accredited. They have a rating of A and have had 10 closed complaints within the last three years. Click here for more information.

Other things to consider

The Wellness Plus Plan covers vaccination titers, so if you are concerned about over-vaccinating, this plan might be the one for you.

Types of Policies

Name of plan: The Accident Plus Plan

Covers: Veterinary Treatment & Surgical Procedures, Prescription Medications, Hospitalization, Diagnostic & Laboratory Test (covered diagnosis only), X-rays, CT scans, MRIs, Specialist & Emergency Visits.

Accidents covered: Motor Vehicle/Hit by Car accidents, Bone Fractures, Poison Ingestion, Foreign Body Ingestion surgery or endoscopy, Lacerations, Bite Wounds, Burns, Insect Bite and Snake Bite allergic reactions, Accidental Choking or Drowning, Head Trauma.

Co-pay: 10%

Deductible: $75 per-incident

Maximum: $2,000 per-incident, $8,000 annually

Sample policy available here.

* * * * * * * * * * * *

Name of plan: The Essential Plan

Covers: Veterinary Treatment & Surgical Procedures, Prescription Medications, Hospitalization, Diagnostic & Laboratory Test (covered diagnosis only), X-rays, CT scans, MRIs, Specialist & Emergency Visits, Cancer Coverage.

Co-pay: 10%

Deductible: $125 per-incident

Maximum:$1,500 per-incident, $11,000 annually

Sample policy available here.

* * * * * * * * * * * *

Name of plan: The Essential Plus Plan

Covers: Veterinary Treatment & Surgical Procedures, Prescription Medications, Hospitalization, Diagnostic & Laboratory Test (covered diagnosis only), X-rays, CT scans, MRIs, Specialist & Emergency Visits, Cancer Coverage.

Co-pay: 20%

Deductible: $125 annually

Maximum: $3,000 per-incident, $11,000 annually

Sample policy available here.

* * * * * * * * * * * *

Name of plan: The Wellness Plan

Covers: Veterinary Treatment & Surgical Procedures, Prescription Medications, Hospitalization, Diagnostic & Laboratory Test (covered diagnosis only), X-rays, CT scans, MRIs, Specialist & Emergency Visits, Cancer Coverage, Annual Physical Exam, Annual Dental Cleaning, 12 months of Flea & Tick Prevention, Heartworm Testing & 12 months of Prevention, Fecal Exam & annual de-worming, Vaccinations & Boosters.

Co-pay: 20%

Deductible: $125 annually

Maximum: $5,000 per-incident, $13,000 annually

Sample policy available here.

* * * * * * * * * * * *

Name of plan: The Wellness Plus Plan

Covers: Veterinary Treatment & Surgical Procedures, Prescription Medications, Hospitalization, Diagnostic & Laboratory Test (covered diagnosis only), X-rays, CT scans, MRIs, Specialist & Emergency Visits, Cancer Coverage, Expanded Diagnostic Testing, Expanded Ligament Coverage, Annual Physical Exam, Annual Dental Cleaning, 12 months of Flea & Tick Prevention, Heartworm Testing & 12 months of Prevention, Fecal Exam & annual de-worming, Vaccinations & Boosters, Vaccine Titers, Spay / Neuter Services, Emergency Boarding (if owner hospitalized).

Co-pay: 20%

Deductible: $125 annually

Maximum: $5,000 per-incident, $13,000 annually

Sample policy available here.

* * * * * * * * * * * *

We do our best to make sure all the information available here is accurate and up to date, however it is important for you to verify the information for yourself.

* * * * * * * * * * * *

Give us your review for AKC Pet Healthcare Plans!