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AKC Pet Insurance Review

Last modified: Sep 29, 2022

Overall Raiting: 8.5
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Coverages: 5/5
Financial Strength: A+
Availability: Available in all states
Support: Highly rated customer service
Discounts: Multi pet discount
User Ratings: High customer ratings

American Kennel Club (AKC) has been offering comprehensive pet insurance since 2003. AKC pet insurance is administered by PetPartners, Inc., and offers affordable pet insurance options for pet owners in all states.

The company also enjoys the distinction of being the exclusive pet insurance provider for the American Kennel Club. It is one of the best pet insurance companies.

AKC offers customizable pet insurance plans that allow pet owners to decide the type of coverage, coverage limits, and deductibles they need so that they can get the perfect pet insurance policy for their requirements. AKC is known for delivering on its customer’s expectations by providing all customers with complete pet insurance policies, which has resulted in many positive reviews left by its customers. 

The insurance provider goes a step further by providing a dedicated AKC pet insurance number for claims processing, and as a result, has lesser complaints in comparison to other similar insurance providers. The good reviews that the company enjoys are due to the great rates that they offer pet owners. 

This AKC pet insurance review is going to give you all the information you need from the insurance provider. 

How We Reviewed? 

We have gone through all of the information we could find and have also taken into account the AKC pet insurance rating on various rating agencies, to make sure you get all the information you need if you are interested in getting pet insurance. We have also analyzed their official website to find out more about the features and the various pet insurance policies and terms. 

We have also analyzed the quality of customer support as well as claims processing times of the insurance provider, and its financial strength to ensure that you get the best quality service for your money. 

Where is it Available? 

PetPartners Inc. is a licensed agency that administers AKC pet insurance which is underwritten by the Independence American Insurance Company. Locations covered by AKC Pet Insurance include all 50 states where you can get access to comprehensive and affordable pet insurance. The AKC corporate headquarters is located in Raleigh, North Carolina. You can use the services of a licensed veterinarian of your choice in the United States and Canada since the insurance is reimbursement-based. This includes emergency hospitals and specialist clinics. 

AKC Pet Insurance Review

The insurance providers offer comprehensive AKC pet insurance plans which cover all areas of pet insurance. AKC offers multiple choices when it comes to pet insurance plans, which makes it easier for you to find a pet insurance policy that meets your needs. AKC pet insurance offers accidental, and illness plans that start at $10 per month. There are also other Wellness and Preventive plans that are offered by AKC insurance and can be availed as add-ons. 

Coverage for Chronic Disease and Continual Coverage

AKC pet insurance offers chronic diseases and continual coverage for chronic diseases. AKC does not offer this coverage for osteoarthritis and diabetes. 

Hereditary and Congenital Coverage

AKC pet insurance does not offer coverage for hereditary and congenital conditions such as hip dysplasia unless you have the InheritedPlus add-on.

Cancer Coverage

AKC pet insurance offers comprehensive cancer coverage, but not for cancers that occur due to genetic or hereditary reasons unless you purchase the InheritedPlus add-on. This coverage is only available for pets that are enrolled before they turn 2 years old. 

Coverage For Breed Specific Conditions

AKC pet insurance does not cover hereditary or congenital conditions unless you purchase the InheritedPlus add-on. Pets need to be enrolled in this program before the age of 2. 

Accidental and Illness Coverage

AKC accidental and illness coverage offers comprehensive coverage for accidents, injuries, and illness expenses. This coverage covers accidents, injuries, surgery, hospitalization, laboratory tests, medication, chemotherapy, X-rays, ultrasound, and CAT and MRI scans. 

Defender and Defender Plus Wellness Coverage

This wellness coverage provides reimbursement for various preventive and routine care expenses that will help your pet stay healthy. The reimbursements are based on a schedule of benefits where it is paid per year, per treatment, or per item. The best part about this coverage is that it is not subject to a waiting period, annual limit, or deductibles. 

What’s Covered and Not Covered

AKC pet insurance offers comprehensive policies that keep your pet healthy. The comprehensive pet insurance policy covers accidents, illnesses, allergies, cancer, behavioral therapies, alternative treatments, wellness, and routine care, vaccinations, flea control, heartworm medication, de-worming, spay and neuter procedures, arthritis, and diabetes, and some hereditary and congenital conditions. 

The AKC pet insurance plan does not cover any pre-existing medical conditions and breeding or whelping costs. In case that your dog needs hip dysplasia coverage, you’ll need to purchase the HereditaryPlus Plan. It is important to mention that your dog must be enrolled before they’re 2 years old.

 There’s an additional 30-day waiting period, as long as your dog doesn’t have any symptoms or signs of pre-existing hip dysplasia. 

Pet Insurance Pricing

The monthly cost of an AKC pet insurance policy starts from $5 per month and can go all the way up to $50 depending on the type of pet insurance coverage that you have opted for. You will have to pay a copay of around 20% after the annual deductible. The pay-out amount is based on the actual bill that you will receive from the vet. 

AKC pet insurance policies also come with some limitations and an annual limit. When it comes to deductibles, you can choose from $100 to $1,000 for your annual deductibles. So, if you are wondering how much does AKC pet insurance cost, then you will be happy to know that AKC pet insurance offers affordable and customizable pet insurance plans that provide complete coverage so that your pet stays healthy. 

Pet Insurance Discounts and Features

For those who are wondering, an AKC pet insurance discount is available. The insurance provider offers a 5% multi-pet discount when you enroll more than one pet in an AKC pet insurance policy. This discount will be applied to the insurance policy during checkout. Those who are adding a pet to their existing pet policy will need to contact the customer care team at AKC to make sure that the discount applies. AKC pet insurance also offers multiple other discounts, such as discounts for pups of breeders of Merit and Bred with HEART breeders. Various discounts are also available for dogs who have their AKC Canine Good Citizen Certification. 

AKC pet insurance offers comprehensive pet insurance policies that are available for both cats and dogs in all 50 states. 

Other features include customizable coverage options, the ability to choose your limits, annual deductibles to be met only once per year, cancer coverage, no upper limit for age, and no veterinary exam required in order to enroll your pet for the AKC pet insurance. 

The AKC pet insurance also includes multiple discounts, optional monthly or yearly payment, and optional coverage or hereditary and congenital conditions, and quick claim turnaround (takes a maximum of 14 days). 

Ease of Buying

Buying AKC pet insurance for your pet cat or dog has never been easier. All you have to do is choose an AKC pet insurance policy that suits your requirements and then enroll online or call the provider’s toll-free number. You can also add pets to your existing pet insurance policy by simply contacting the customer support team at AKC pet insurance. 


AKC pet insurance is known for its excellent customer service, especially when it comes to an AKC insurance claim. Filing a claim has been made easy. All you have to do is download and complete the claim form provided on their website and submit it via postal mail, email, or fax. Detailed instructions and additional information for submitting claims are given on the official AKC website. AKC pet insurance waiting period has been minimized, ensuring that you get your claims processed within the least amount of time. Users are advised to file their claims within 180 days from the date of service. 

Customer Satisfaction and Financial Strength Review

AKC pet insurance BBB ratings stand at A+, which is higher in comparison to other pet insurance providers. The insurance provider also has an AM Best rating of A- and enjoys a high number of positive reviews from its customers. There are also a lower number of AKC pet insurance complaints concerning the pet insurance policy options, claims processing, and overall customer service, which is the reason behind the company’s popularity when it comes to pet insurance. 

Customer Support

AKC pet insurance customer service is highly rated as one of the best in the industry. To ease the enrollment and claims processing, the company offers an exclusive AKC insurance customer service number that you can use to contact the company at any time. 

You can get in touch with the company by calling 1-866-725-2747. There is also a live chat option that users can avail of to find out the information they need. You can get an instant quote by visiting their official website and clicking on ‘get quote’ at the top of the page. 

Comparison with Competitors

AKC pet insurance vs. Healthy Paws

Healthy Paws offers unlimited claim limits. Healthy Paws has a longer waiting period when it comes to pet coverage for hip dysplasia which can take up to a whole year. In comparison, AKC pet insurance offers more comprehensive pet insurance policies, excellent customer service, and faster claims. 

AKC pet insurance vs. other insurances

While there are many other pet insurance providers that are also offering similar products, AKC pet insurance offers better options, more affordable rates, and includes many features that make it the number one choice for all those pet owners who are searching for a more complete and affordable pet insurance policy.


  • No need for Vet Records
  • Add-on options
  • High ratings
  • Travel Coverage
  • Amazing savings
  • No illness coverage for dogs enrolled after age 9
  • 14-day waiting period for illness, 2 days for accidents
  • Add-ons required for some medical conditions
  • High Transaction Fees

AKC pet insurance is the go-to choice for many pet owners, mainly because it offers multiple features and affordable prices. If you are still on the fence, then the following are some reasons to opt for AKC pet insurance to keep your pet healthy.


What does AKC insurance cover?

AKC pet insurance covers most medical conditions, including additional costs for accidents, illnesses, allergies, alternative treatment, and much more. 

Does AKC Pet insurance cover spaying?

Yes, AKC Pet insurance does cover spaying.

Is AKC pet insurance worth it?

Absolutely. AKC pet insurance offers one of the most comprehensive pet insurance policies that’s affordable and provides excellent customer service, including fast claim processing, which makes it worth the investment. 

Does insurance cover allergies?

Yes, AKC Pet insurance does cover allergies.

Does insurance cover medications?

Yes, AKC Pet insurance does cover medications.

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