AKC Pet Insurance
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Frequently Asked Questions

Terrier with a pet insurance plan provided by AKC Pet Insurance | Pet Health Insurance for Dogs and Cats

Who is eligible for AKC Pet Insurance?

Policies are available to US residents, for dogs 8 weeks and older, and for cats 10 weeks and older. Pets can be enrolled in four plans that include illness coverage if they are under 9 years of age. Once enrolled, coverage can renew regardless of age. The Accident Plus Plan is available for pets of any age. Issuance of coverage is subject to underwriting guidelines.

Does my pet have to be purebred and/or registered?

No - AKC Pet Insurance is available to all dogs and cats that meet the underwriting guidelines. We cover pets that are pure breeds, mixed breeds, registered and unregistered.

Do you offer a multiple pet discount?

Yes, if you insure two or more pets with us you will receive 5% off each pet’s premium.

Who underwrites the AKC Pet Insurance?

AKC Pet Insurance is underwritten by American Pet Insurance Company.

Can I use my current veterinarian?

Yes - you can take your pet to any licensed veterinarian in the United States or Canada.

What is covered?

AKC Pet Insurance provides benefits for covered veterinary services including surgery, hospitalization, diagnostic and laboratory tests, X-Rays, CT scans, MRIs and prescription medications. We offer four plans for both Accidents and Illnesses at different levels of protection. In addition we have a low-cost plan called Accident Plus that covers specific accidents and injuries and it is open to pets of any age.

The Wellness Plans add additional coverage for preventive treatments such as vaccinations and boosters, annual physical exam, heartworm testing, annual de-worming, heartworm prevention, flea and tick control and annual dental cleaning.

The Wellness Plus Plan offers extra benefits for spay/neuter, vaccine titers in place of vaccinations, unlimited cruciate injury coverage, expanded diagnostic testing and for boarding fees if the owner is unexpectedly hospitalized for more than 48 hours and there is no one at home to take care of your pet.

For a summary of benefit levels, please see our Side-by-Side Plan Comparison.

For full details, please see our Policies Terms & Conditions.

What is not covered?

No insurance policy covers everything, so we hope you will read your terms and conditions closely. Generally, AKC Pet Insurance does not cover the following:

Is there a Deductible or any Co-Insurance?

Yes - the deductible amount and frequency, together with the co-insurance amounts are listed on the Benefits Summary by policy. Once you have met the deductible, the Plan pays the co-insurance percentage of allowable charges up to the incident maximum payable amounts.

Do you cover vaccinations?

Yes - Preventive care such as vaccinations and boosters, an annual physical exam, flea/tick control, dental cleaning etc. is covered under the Wellness Plan or Wellness Plus Plan. Please see our Benefits Summary for more information.

Do you cover spaying or neutering?

Yes – the Wellness Plus Plan provides coverage for spay or neuter procedures.

How do I file a claim and get reimbursed?

It is simple. Pay for the visit at the time you receive services. Take a claim form to the veterinarian's office and have your Veterinarian fill out Section 2. You fill out the rest of the form and send it to us along with a copy of the itemized invoice. You can send the completed form by email, mail or fax.

We process claims within 30 days of receipt of all necessary documents. AKC Pet Insurance reimburses you directly for claims.

Will my insurance be cancelled as my pet ages?

No - we want to protect your pet through a long and happy life.

What is a waiting period?

Waiting Period means a period of time specified in the policy that must pass before some or all of coverage begins. The waiting period applies to first year policy and any coverage increases, but does not apply to your annual renewal provided you maintain continuous coverage with us. The waiting period begins as of the coverage effective date of the policy. To see specific waiting periods for our policies, visit the learn about our plans page.