AKC Review Summary
AKC Pet Insurance, administered by PetPartners since 2002, leverages the American Kennel Club's century-plus of canine credibility to market pet insurance to the breed-enthusiast community. The coverage hits the essentials: hereditary conditions, congenital conditions, cancer, and orthopedic issues are all covered without breed exclusions — a meaningful promise given how many AKC breeds carry specific genetic risks. The gaps are real though: no exam fee coverage, no dental illness, no behavioral therapy. For owners of high-value purebreds who simply want financial protection against catastrophic medical events, AKC Pet Insurance delivers solid value. For owners wanting comprehensive cradle-to-grave coverage, Embrace or Fetch are better fits.
Pros & Cons
✅ Pros
- ✓Trusted AKC brand with strong recognition among dog owners
- ✓Flexible coverage levels and deductible options
- ✓No breed exclusions — covers all AKC-registered breeds
- ✓Competitive pricing for standard accident and illness coverage
- ✓Optional wellness add-on available
⚠️ Cons
- ✗No dental illness, exam fees, or behavioral therapy in base plan
- ✗No alternative therapy coverage
- ✗Some customer complaints about premium increases without notice
- ✗Claims processing speed is average (10-15 days)
Coverage Details
| Monthly Premium | $15–$75 |
| Annual Deductible | $100–$1,000 |
| Reimbursement Options | 70%, 80%, 90% |
| Annual Limit Options | $3,000, $5,000, $7,500, $10,000, Unlimited |
| Accident Waiting Period | 2 days |
| Illness Waiting Period | 14 days |
| Age Limit | None |
| Hereditary Conditions | ✓ Covered |
| Bilateral Conditions | ✓ Covered |
| Dental Illness | ✗ Not covered |
| Exam Fees | ✗ Not covered |
| Behavioral Therapy | ✗ Not covered |
| Cancer Treatment | ✓ Covered |
| Alternative Therapies | ✗ Not covered |
| Wellness Add-on | ✓ Available |
| Breed Exclusions | ✓ No breed exclusions |
What's Covered
- ✓ accidents
- ✓ illnesses
- ✓ hereditary conditions
- ✓ congenital conditions
- ✓ cancer
- ✓ orthopedic conditions
- ✓ prescription medications
What's Excluded
- ✗ pre-existing conditions
- ✗ exam fees
- ✗ dental illness
- ✗ behavioral therapy
- ✗ alternative therapy
- ✗ elective procedures
- ✗ breeding costs
Best For
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