Pet insurance policies are underwritten by Independence American Insurance Company

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5-Star Pet Insurance Reviews

What Customers Are Saying About AKC Pet Insurance

(underwritten by Independence American Insurance Company)

Customer Reviews

Why AKC Pet Insurance?

for Quality

  • Only brand to cover pre- existing conditions*

  • Exclusive pet insurance partner of the American Kennel Club

30 Day
Risk Free**

  • Keep your vet or visit any licensed vet in the U.S. or Canada

  • 30-Day satisfaction guarantee

Your Coverage

  • Plans as unique as your pet

  • 5% multi-pet discount***

Customer Service

  • 24/7 vet support

  • Highly Rated on TrustPilot

*Not available in all states. Pre-existing condition coverage available after 365 days of continuous coverage. “Only brand“ refers to comparison with 5 pet insurance carriers making up approximately 80% of the US pet insurance market (Nationwide, ASPCA, Trupanion, HealthyPaws and PetPlan). **If you are not completely satisfied within the first 30 days of your full-term policy, we will refund 100% of your premium as long as no claims have been filed. Only available with new policies. Not available in all states. ***Only available with new policies. Not available in all states. If you have more than one pet or add a pet to your existing coverage, you may receive a 5% multi-pet discount on your policies.

We’ve Got You Covered from Head to Tail

We provide coverage for diagnostics, treatment, and medicine

We turn whines into wags with emergency care, surgery, and rehab coverage

We help pets stay healthy by covering exams, vaccines, and check-ups

We’ve Got You Covered from Head to Tail

This “Accident & Illness” coverage even accounts for pre-existing conditions*, unlike other companies.


X-Ray & Ultrasound
Laboratory Tests
CT Scans & MRI


Toxin Ingestion***
ACL Injuries**
Broken Bones


Digestive Issues
Physical Therapy
Prescription Meds

Emergency Care

ER Visits
Foreign Body Removal***
Treatment of snake/animal bites
Major trauma (auto accidents)

*Not available in all states. Pre-existing condition coverage available after 365 days of continuous coverage. **Available after 180 days of coverage. ***Foreign body ingestion, dogfights, and toxin ingestion are only covered once during the lifetime of a pet. See your policy for additional details.

Pet Insurance So Good, It's Sharable

Are a Dog or Cat’s Pre-Existing Conditions Covered by Pet Insurance?

Pre-existing conditions are defined as pet injuries or illnesses that first occurred before your pet was covered by any dog or cat insurance. Most pet insurance providers don’t offer coverage for pre-existing conditions, while others only cover those that are defined as having a cure. But with AKC Pet Insurance, you will have coverage for pre-existing conditions after 365 days of continuous coverage. AKC Pet Insurance covers a broad range of pre-existing conditions, more than any other pet insurance provider. Pre-existing conditions are not covered in all states, and policyholders can find additional information by reviewing the terms and conditions of their specific policy.

What Are Waiting Periods and How Long Are They?

A waiting period is the amount of time that must elapse before certain claims are covered.

New policyholders are subject to the following waiting periods*:

  • Accidents: 2 days
  • Illnesses: 14 days
  • Hereditary and Congenital Conditions: 30 days**
  • Cruciate Ligament Injuries and Intervertebral Disc Disease: 180 Days
  • Pre-existing Conditions: 365 days

*Waiting periods vary by state. **Available with Hereditary & Chronic Conditions Coverage add-on.

Is Pet Wellness Coverage Offered?

Yes. AKC Pet Insurance offers Wellness and Enhanced Wellness Coverage for an extra monthly fee. Both wellness plans offer reimbursement for a range of routine and preventive expenses, including vaccinations, flea and tick prevention, and annual wellness exams for dogs and cats. Enhanced Wellness also covers additional services, including dental cleaning and spay/neuter procedures. When you sign up for Wellness or Enhanced Wellness coverage, you will be given a schedule of your pet's benefits -- this allows AKC Pet Insurance to allocate a specific amount of funds toward each potential expense for the upcoming year of pet insurance coverage. Wellness plans are not subject to deductibles, so policyholders are not responsible for any coinsurance payments, only the amount remaining after their reimbursement.

Are My Pet’s Veterinary Exam Costs Covered?

Policyholders have the option to select Exam Coverage during the enrollment process. For an extra monthly fee, this add-on offers reimbursement for examinations from primary care physicians, specialists, and emergency clinics.

Is My Dog or Cat’s Dental Care Covered?

Yes. AKC Pet Insurance’s Basic Accident and Illness Coverage offers reimbursement for extractions of broken permanent teeth due to accidents. Policyholders can also select optional Enhanced Wellness coverage for an extra monthly fee, which offers reimbursement on annual dental cleanings for dogs and cats.

  • Does AKC Pet Insurance Require a Deductible?

    Yes. All policyholders are responsible for paying an annual deductible before their pet’s coverage will take effect. During the enrollment process, policyholders typically have the option to select their own deductible ranging from $100 to $1000. Only eligible expenses count toward this deductible.

  • How Does Pet Insurance Reimbursement Work?

    Pet Insurance follows a reimbursement model, meaning that policyholders pay their veterinarian directly, submit a claim, and are reimbursed for a portion of eligible costs.

  • Will Aging Affect My Pet’s Coverage?

    No. As long as policyholders continually pay their premiums, their pet’s coverage will not lapse or change as they age (though rates may change and state-related coverage updates may occur).

  • Are Pet Burial and Pet Cremation Covered?

    Policyholders with a pet under the age of five may opt for our supplemental Final Expense add-on, which will cover end-of-life expenses, including cremation, burial, and necropsy. Final Expense coverage is not currently available in all 50 states.

  • Are My Pet’s Inherited or Congenital Conditions Covered by Pet Insurance?

    Yes. AKC Pet Insurance offers coverage for inherited illnesses and congenital conditions through the Hereditary and Chronic Conditions add-on. This option provides reimbursement for a range of common conditions like heart disease, arthritis, diabetes, and luxating patella.

  • Is My Pet Covered by Pet Insurance While Traveling?

    Yes. AKC Pet Insurance offers coverage while traveling if treatment occurs within the United States and Canada.

  • Are Breeding Costs Covered?

    AKC Pet Insurance does cover breeding expenses when you opt for Breeding Coverage at the time of enrollment. To learn more, call AKC Pet Insurance at 1-866-725-2747.

  • Are Elective Veterinary Procedures Covered by Pet Insurance?

    AKC Pet Insurance does not cover elective procedures for cats or dogs. Experimental procedures are also not covered.

  • Are Cruciate Ligament Injuries Covered?

    AKC Pet Insurance offers coverage for cruciate ligament conditions in dogs and cats with our Basic Accident and Illness policy. However, this coverage is subject to a 180-day waiting period.

  • Who Underwrites AKC Pet Insurance?

    AKC Pet Insurance is underwritten by Independence American Insurance Company in the United States.

AKC Pet Insurance Enrollment and Cost FAQ

  • How Much Does AKC Pet Insurance Coverage Cost?

    Premiums for plans offered by AKC Pet Insurance start as low as $10/month for Accident and Illness coverage. Factors including age, ZIP code, and optional policy add-ons all affect monthly premiums. In addition to policy add-ons, AKC Pet Insurance policyholders can customize their coverage by selecting annual reimbursement limits, deductible amounts, and per-incident copays.

  • 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.

  • Will Filing Veterinary Claims Affect My Pet Insurance Rates?

    No. AKC Pet Insurance will not increase any policyholder’s rates based on the number of claims filed or the amount of reimbursement provided. Any rate increases that policyholders experience are based exclusively on market conditions.

  • Does AKC Pet Insurance Cover Cats?

    Yes. Dogs and cats are both eligible for AKC Pet Insurance.

  • At What Age Do Dogs and Cats Become Eligible for Pet Insurance Coverage?

    Some states may require that a puppy be at least 8 weeks of age and a kitten be at least 10 weeks of age to enroll in a plan offered by AKC Pet Insurance. Please check your policy for more details.

  • Can I Insure My Elderly Pet?

    Yes. There is no maximum age for enrollment with AKC Pet Insurance. Keep in mind, however, that pets over nine years of age are only eligible for Accident coverage.

  • Does AKC Pet Insurance Cover Mixed-Breed Dogs?

    Yes. Mixed-breed dogs and cats are eligible for AKC Pet Insurance.

  • Does AKC Pet Insurance Exclude Certain Breeds?

    No. AKC Pet Insurance does not impose any breed-specific exclusions on cats or dogs.

  • Do I Need to Register My Pet with the American Kennel Club to Enroll in AKC Pet Insurance?

    No. Registration is not a prerequisite for enrolling with AKC Pet Insurance.

  • Does AKC Pet Insurance Offer Any Discounts?

    Yes. AKC Pet Insurance offers a 5% (five percent) multi-pet discount* for policyholders who get coverage for more than one pet. During the enrollment process, this discount is applied at checkout.

  • How Do I Enroll Another Pet in an Existing Pet Insurance Policy?

    Current policyholders who are interested in adding additional pets to their policies can access their account through the customer portal or contact AKC Pet Insurance’s Customer Care Team at 1-866-725-2747 to make the necessary updates.

  • Does AKC Pet Insurance Have a Customer Portal?

    Yes. AKC Pet Insurance’s customer portal provides access to all essential policy documents, coverage details, claims updates, payment information, and more. Policyholders can submit and review claims, add a pet to their policy, change coverage options, and update their profiles from their computer or mobile device.

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