Benefits of AKC Pet Insurance
Built with you in mind, we’re giving pet owners what they really need. A few things people love about us:
Exclusive AKC Partner
The American Kennel Club is the largest and most-respected canine registry in the world. Since 2003, AKC Pet Insurance has served as their exclusive insurance brand partner.
Suit Your Pet and Wallet
AKC Pet Insurance's selection of policy add-ons and customizable coverage options help you create a plan as unique as your dog or cat.
Keep Your Vet
Through AKC Pet Insurance, you and your pet can keep your vet and visit any licensed provider in the United States or Canada.
Pre-Existing Conditions
AKC Pet Insurance is the only brand that offers the industry’s most comprehensive pre-existing condition coverage after 365 days of continuous coverage (not available in all states).
Experts on Speed Dial
Need answers in the early morning or dead of night? Policyholders can call or chat with the 24/7 Vet Helpline any time of day for quick answers to their pet care questions.
Easy Access to Vet Records
The Pet Cloud mobile app connects pet owners to a like-minded community, provides a database of pet care resources, and makes it easy to keep medical records and insurance forms organized.
How Does Dog Insurance Work?
We understand that your dog is part of the family—and you care for them like family. Policies offered through AKC Pet Insurance help safeguard your dog's health and protect you from unexpected costs.
Pay Your Vet
Take your dog to any specialist, licensed vet, or emergency clinic. Once you’ve paid the bill, keep your itemized invoice.
File a Claim
Fill out a claim form and submit it to us. We’ll take care of the rest.
Get Reimbursed
We’ll reimburse you for eligible expenses by check or direct deposit.
What Does AKC Pet Insurance Cover?
Broken Bones
Don’t let your pet's broken bones break your budget.
Cancer
Rest easy knowing you’re covered for expensive cancer treatments.
ACL Illness
Get your pet moving again after an ACL illness.
Toxin Ingestion*
Get help with vet fees after accidental toxin ingestion.
Hypothyroidism
Coverage for diagnosis, treatment, and prescription medications.
Digestive Issues
Make your dog comfortable with treatments on digestive issues.
Allergies
Coverage for your pet's seasonal and long-term allergies.
UTIs
Relax, your pet's covered for UTI testing and treatment.
IVDD**
Keep your pet mobile with covered IVDD treatments.
*Foreign body ingestion, catfights/dogfights, and toxin ingestion are only covered once during the lifetime of a pet. See your policy for additional details.
**Covered after 180 days of continuous coverage.
What’s Not Covered?
Elective and experimental procedures
Obesity treatments
Organ transplants
Chronic dental conditions like periodontal disease
Parasite treatments
Prosthesis
For a complete list of exclusions and limitations, check out our sample policies.
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Additional Pet Insurance Coverage
Exam Coverage
Sometimes a trip to the vet can cost more than actual treatment.
Providers may include, but are not limited to:
Primary Care Visits
Emergency Visits
Specialists
LEARN MORE
Hereditary Coverage
Certain hereditary conditions aren’t covered by accident and illness plans.
Common medical conditions that may be covered include, but are not limited to:
Arthritis
Diabetes
Hip Dysplasia
LEARN MORE
Pet Wellness Coverage
Routine and preventive care costs can add up. Wellness plans can help policyholders with a range of essential medical costs.
Included, but not limited to:
Wellness Exams
Routine Dental Care
Diagnostic Testing
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Breeding Coverage
Dog breeding insurance gives dogs and breeders more protection and peace of mind in unexpected emergencies.
Emergency C-Section
Liver Failure
Mastitis
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Final Respects Coverage
Saying goodbye is one of the hardest parts of being a pet owner.
What’s covered?
Burial
Cremation
Memorials
LEARN MORE
Accident Only
AccidentCare offers you peace of mind when it comes to unexpected visits to the vet due to accidents and injuries.
Examples of Covered Conditions:
Broken Bones & Sprains
Toxin Ingestion*
Bite Wounds*
*Foreign body ingestion, dogfights, and toxin ingestion are only covered once during the lifetime of a pet. See your policy for additional details.
LEARN MORE
Pet Insurance Makes a Big Difference
1 in 3 pets require emergency care each year.*
Emergency veterinary bills total between $800 and $1500 on average.*
Only 39% of American dog and cat owners can afford to cover a $1,000 bill on their own.*
Remington
Labrador Retriever
1 Year Old
Diagnosis
Addison's Disease
(Secondary Acute Gastroenteritis)MEDICAL COST
$13,336.58We Paid
$11,083.07
Policy Details
10%
Coinsurance$250
Deductible$13,336.58
No Insurance
Claim reimbursem*nt is subject to the limits and waiting periods of the policy
No Incident Limit, $20,000 per year per pet,$250 deductible once per year per pet, 90% reimbursem*nt.
activate coverage
How Our Coverage Stands Out
When your pet is covered by a policy through AKC Pet Insurance, they’re in good hands. Our coverage speaks for itself.
Insurance plan coverages
AKCPI
Nationwide
Lemonade
Spot Pet Insurance
Fetch Pet Insurance
Pre-Existing Conditions
*
24/7 Vet Helpline
Diagnostics
Physical Therapy
**
Wellness Exam Fees
**
**
Exam Fees
**
Wellness and Prevention Care
**
**
Microchipping
**
Spay/Neuter
**
Vaccinations
**
**
SEE HOW WE COMPARE
* After 365 days of continuous coverage. Not available in all states.
** Limited coverage.
Ray L
We’ve had AKC insurance since we took our new puppy home, never expecting an accident early in his life. But sure enough when something happened, AKC Pet Insurance was there to help, and help quickly.
April 2023
Questions about Dog Insurance? We Have Answers!
Why do I need dog insurance?
1 in 3 pets require emergency care every year. Scrapes with playmates, slips and falls, and run-ins with household hazards can all leave pet owners contending with hefty vet bills. By providing reimbursem*nt for certain eligible expenses, pet insurance policies alleviate some of the financial burden of owning a dog.
How much does dog insurance cost?
Most policyholders pay an average cost of $550 - $600 annually. Your specific premium will depend on several factors, including your zip code, dog's breed, and age. Any optional policy add-ons you select can also affect the cost of dog insurance coverage. These factors will also affect monthly premium costs:
Annual benefits: Enrollees have the option to select plans with annual payouts up to $20,000 for eligible expenses. The higher the annual benefit amount, the higher the plan's premium.
Deductibles: Choosing a higher annual deductible means you're responsible for covering more pet care expenses before coverage kicks in. Higher deductibles typically mean lower monthly premiums.
Coinsurance and reimbursem*nt: The lower the reimbursem*nt percentage, the lower the monthly dog insurance premium.
Are mixed-breed dogs eligible?
Yes! Policies are available for purebred and mixed-breed dogs alike. We welcome every pup.
Are any breeds or breed-specific conditions excluded?
No. AKC Pet Insurance offers equal availability to all breeds of dog and applies the same policy terms and conditions.
Can I Keep My Veterinarian When I Sign Up for Pet Insurance?
Yes. Policyholders can visit any licensed veterinarian in the United States or Canada. This includes specialists and emergency clinics, because AKC Pet Insurance understands that not all accidents, illnesses, and emergencies occur between 9 a.m. and 5 p.m.
Are behavioral conditions covered?
It depends. Some plans offered through AKC Pet Insurance cover expenses associated with diagnosing and treating behavioral issues such as anxiety and destructive behavior. This coverage is not currently available in every state.
What are inherited and congenital health conditions?
Inherited conditions are health problems that originate from genetic factors. In the case of congenital conditions, these conditions have been present since birth, though their symptoms may take years to appear.
Are inherited conditions covered?
Yes. Policyholders have the option to purchase coverage for several heritable and congenital conditions.
Are exam costs covered?
Standard policies don’t reimburse enrollees for examination fees. Exam Coverage, an optional policy add-on, can help cover some or all these expenses.
Is Routine Care Covered?
Yes. Several routine expenses and preventive care options are covered under Defender and DefenderPlus plans. These plans are not subject to annual deductibles or coinsurance payments. Instead, a schedule of benefits offers an established amount of reimbursem*nt for each specific expense each year.
How Do I Cancel Coverage? Do I Need to Contact Customer Service?
To cancel your pet's insurance plan, contact our world-class Customer Care Team by calling 866-725-2747.
Are You a Breeder?
Pick a plan that's best for you and your champions.
PROTECT YOUR LITTER
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