AKC Pet Health Insurance / AKC Pet Insurance

AKC Pet Insurance
A Partnership between Pet partners and the American Kennel Club (AKC) created AKC Pet Health Insurance. Pet Partners also has other insurance plans under the names of Cat fancy as well as they have a partnership with the Farm Beaureau. Pet Partners has plans under the Petpartner name in the UK.

My impression: When I phoned AKC Pet Health Insurance (made with the partnership of American Kennel Club and Petpartners), the lady wasn’t super friendly on the phone.

See what other people think, please, Check out the USA Reviews. See others, or leave your own!!!

Some good things about their AKC Pet Insurance is that there is No Benefit Schedule, which means that they reimburse you based on what you paid instead of what the expected costs will be.

Another good thing, is that if you take your pet to the vet because you think something is wrong, and it turns out they don’t cover that condition it (ex. Hereditary condition), AKC Pet Health Insurance will still cover the diagnosis test.

They say they cover ligament tears from day 1 of the policy. Ligament tears are a sticky subject when it comes to many pet insurance companies.

AKC Pet Health Insurance does not cover Hereditary conditions.

AKC Pet Insurance offer 5 different Per condition plans. This means they are not lifetime plans and could potentially max out during your pets lifetime.

Below you will find 2 charts which compare the different plans that AKC Pet Health Insurance offers and the difference between the plans.

Snapshot Information Chart for AKC Pet Health Insurance
% indicates co-payment amount-

click here to understand co-payments 

Plan Accidents and Illnesses Deductible Max age limit to sign on Lifetime cover Price per month
Accident plus (10%) Accidents only. $2000/ incident, $8000/policy limit $75/incident none No Dog: $16.17-23.67 Cat: $12.08
Essential (10%) $1500 /incident, $11000/policy limit $125/incident Under 9 years No Dog: $26.17-39.83 Cat: $18.75
Essential plus (20%) $3000 / incident, $11000/policy limit $125/yr Under 9 years No Dog: $35.75-55.42 Cat: $25.17
Wellness (20%) $5000 /incident, $13000/policy limit $125/yr Under 9 years No Dog: $66.75-105.58 Cat: $45.83
Wellness plus (20%) $5000 /incident, $13000/policy limit $125/yr Under 9 years No Dog: $88.33-140.50 Cat: $60.25
Wellness plus (20%) $5000 /incident, $13000/policy limit $125/yr Under 9 years No Dog: $88.33-140.50 Cat: $60.25

When they write ‘policy limit’- it really means lifetime limit.

Detailed coverage Chart for AKC Pet Insurance

Accident plus Essential Essential plus Wellness Wellness plus
Vet fees Accident and Illness Accident only $2000/ incident, $8000/policy limit $1500 /incident, $11000 /policy limit $3000/ incident, $11000 /policy limit $5000 /incident, $13000 /policy limit $5000 per incident, 13000/ policy limit
Routine Care yes yes
Hereditary Conditions NO NO NO NO NO
Hip dysplasia NO NO NO NO NO
Death (replacement cost of pet)
Euthanasia yes yes yes yes yes
Boarding (if owner hospitalized) yes
Holiday (trip cancellation)
Cover Abroad Canada- short holidays only Canada- short holidays only Canada- short holidays only Canada- short holidays only Canada- short holidays only
Behavioural problems
Prescription meds yes yes yes yes yes
Dental (not teeth cleaning) Yes – if unrelated to periodontal disease Yes – if unrelated to periodontal disease Yes – if unrelated to periodontal disease Yes- annual cleaning too Yes- annual cleaning too
Alternative treatment
Breeding, Fertility, Pregnancy
Medical devices (Ex. Wheelchair for dog) depends depends depends depends depends
Lost/Stolen pet adds
Third party liability
(dogs only)
Accidental Damage (tenant coverage)
Grooming and Bathing
Pet food, Nutritional supplements, vitamins, natural remedies

Vet fees- Illness or Accident- policy limit is the lifetime limit of the plan. Once you go over policy limit you do not have coverage.
Routine/Preventative care- vaccinations, annual exam, spay/neuter (only wellness plus), heartworm testing and meds, teeth cleaning, tick and flea meds.
Hereditary conditions- NOT covered by AKC Pet insurance.
Hip Dysplasia- NOT covered by AKC Pet Insurance.
Death- Will NOT cover replacement price of pet if dies from accident.
Euthanasia- if it is recommended by veterinarian.
Cremation – is not covered.
Boarding- If you go to hospital for more than 48hrs only covered for Wellness plus.
Holiday(trip cancellation)- not covered.
Cover abroad- to Canada for short holidays.
Behavioural problems- are not covered.
Prescription Meds- are covered by AKC Pet Insurance.
Dental- accidents will be covered with dental- however anything to do with periodontal disease is not covered.
Alternative treatment- chiropractic and acupuncture are strictly not included.
Breeding, Fertility, Pregnancy- are not covered.
Medical devices- when I phoned they said that it depends on the device and the situation, but they would most likely be covered.
Lost/Stolen Pet adds – are not covered.
Third party liability(dogs only)- is not covered.
Accidental Damage- is not covered.
Grooming and Bathing– is not covered.
Pet food, Nutritional supplements, vitamins, natural remedies– are not covered.


Some Common Questions with the Answers, so you don’t need to ask all the questions: 

Lifetime insurer (will ACK Pet Insurance cover on going conditions throughout a pets life)? 
AKC pet health insurance will continue to cover your pet for the same injury throughout it’s life, however, only till incident and policy limits. HOWEVER, their plans are not true Lifetime plans as they do not renew each year.

If you want to better understand Lifetime Pet Insurance, check out this page!


5% multipet each plan

Any vet or specific vets only? After hours vets or in home vets? 
Yes, any vet in Canada or USA. Yes.

Can the vet be paid directly?  
No, they will reimburse you after you pay the vet.

If not, How quickly are claims processed? 
Within 15 business days.

Does AKC Pet Health Insurance cover examination fee (if it relates to injury or illness)? 
If it relates to the injury/illness.

All breeds? <br>Yes. All breeds can get coverage with AKC Pet Insurance

Do I stop getting coverage as my dog ages? 
No, as long as you haven’t gone over your policy limits.

Does age affect monthly price (as my dog gets older will premium go up with AKC Pet Insurance)?  
Yes, monthly price goes up as dog gets older.

Does AKC Pet Health Insurance put the monthly price up every year? By how much? 
Yes. Age, size of pet and location all affect monthly price.

Does AKC Pet Health Insurance serve all of USA? Is the monthly amount more depending on where I live? 
Yes, all 50 states are covered.
The monthly amount is affected by where you live.

Waiting period? 
You must wait 1 day for accidents, 31 days for illnesses, before your coverage takes effect with AKC Pet Insurance.

Do rates increase with more claims/penalized for filing more claims? 

Maximum lifetime claim amount? 
Yes. There is a maximum amount of money that you could get with AKC Pet Insurance

What is the co-payment for AKC Pet Insurance? 
10% for Accident and Essential, 20% for Essential plus, Wellness and Wellness plus.

Extras included? 
Complimentary trial plan (not NY). – 30 days of a mini plan of- $1,500 ($500 per incident), 20% coinsurance and a $100 deductible.

Money back guarantee?  
You have 30 days to change your mind and get your money back if no claims made (not available in NY).


What AKC Pet Health Insurance doesn’t cover
– claims that are directly or indirectly related to: 

• Dogs under 8 weeks old, cats under 10 weeks.
• Pre-existing conditions.
• No coverage for activities that result from: racing, breeding, hunting, law enforcement.
• Treatment not recommended by a vet.

Make sure to read the fine print before purchasing, there are many more exclusions that are not written here.

If you want to contact AKC Pet Health Insurance, their phone number is: 1-866-725-2747. And they can be reached 8:30am to 8:30pm Mon-Fri and 10:00am-3:00pm Sat (EST/EDT)

Please also,

Leave a review! for future pets and owners so we can make this the best site. Or check out what other pet owners have to say about AKC pet insurance!
Thank you.


Check out other American Pet Insurance Companies.

24petwatch– another Pethealth corporation company!

AKC Pet Insurance– Offer Coverage in all 50 States!

ASPCA Pet Health Insurance– 10% of your purchase goes towards helping shelter animals.

Banfield Pet Insurance– Cheaper routine coverage spread out throughout the year to keep your regular vet prices low.

Companion Insurance– 2 plans to choose from.

Embrace Pet Insurance – Very customizable plan! so you can adjust your plan based on deductible or monthly payment to fit your budget.

Healthy Paws Pet Insurance – More customizable plans created by people who love animals.

Pet Assure– pet insurance alternative so you ALWAYS have lower vet bills and your pet will even be covered with pre-existing conditions.

Pet Care Pet Insurance– HUGE assortment of plans to choose from.

Pet First insurance– same price policies for any breed of pet.

Corporation of Pethealth and all their other companies.

Pet Plan insurance – Excellent plans with upto 100% coverage!

Petsafe – Unlimited coverage at reasonable prices.

Pets Best Insurance – Travel to anywhere in the world with your pet and you’ll be covered! Or if you have a pregnant dog, this might be for you!

Quick Care – 5 plans, with one especially for Tenants!

Shelter Care – Great prices and excellent customer service.

Trupanion one plan so it’s easy, you just have to pick the perfect deductible for you.

VPI pet insurance– Originally created by Veterinarians, now covers your pet globally and will also cover Exotic pets and birds!

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