AKC | Pet Insurance Review

After vomiting and diarrhea, my 3 month old lab puppy needed bloodwork performed and was hospitalized for two days with IV fluids. After he was happily home and healthy, I was left with a large, unplanned-for vet bill. I had signed up for the 60 free trial plan after registering with the AKC and I learned very quickly how amazing having pet insurance is! PetPartners was fast and courteous. It was easy to fill out the claim form. Thank you, PetPartners!

I absolutely loved this plan when I had it for my previous, now deceased, dog. The entire package was great...rates, plans, coverage, customer service. I chose the accident/illness/wellness plan (the premium plan), and stayed with the plan for many years, and the rate increased with time of course, but reasonably. Then when my dog turned 11, they raised my rate from $800 to $2400 saying that my dog was now old and would need extra care, hence the high rate. I could not afford this and cancelled the insurance. The company offered me coverage under a basic plan (barebones) for the price I used to pay for the premium plan, $800, but I felt like I was being price-gouged, and unappreciated for my previous business. Since I could not get a different insurance, because most companies will not insure an older dog in a new policy, my dog had no insurance from then until he died two years later. Luckily he did not require much vet care other than vaccines and an occasional treatment. Most companies will not cover pets for costly chronic conditions anyway, like cancer or organ failure, so I felt that it was outrageous that my rate increased like that after I had been such a loyal customer for years. I escalated this issue with the company's management to no avail...they were so rude as to inform me that in some years they actually paid me more for claims than what I had paid as my premium, so that I had in fact actually "made money" from my policy. Isn't that how it sometimes goes with insurance? What business do they think they are in? If their rates are not profitable enough for them, they should reset them, not drop or price-gouge loyal customers who would never have anticipated this action. Be sure to ask companies what their rate schedule is as the pet ages, and get a specific ceiling on the price before buying. Or plan that you might not have affordable pet insurance for older pets, regardless of how long you have had your policy.

I've had this insurance company for the 2 years I've had my dog and could not be happier with them! They stick to their policy by the T and I love that. You know what's covered and what isn't. They process claims in a 2 weeks avg although they're "time frame" is 30 days. I've submitted claims both years and both years they've paid without any headaches. Their premiums are some of the lowest out there.

Just recently bought our dog and was told that we had a 60 day free trial of their insurance. Thinking it would be a great deal I tried it out and felt thankful when my dog got sick and had treatment. Trouble began immediately! Maybe it was because I was on a trial basis, but I hear nothing from them for several weeks in regards to my claim. I called them once and was told they'd have a response later next month! The second time I called I was told they received my claim almost 20 days AFTER I had sent it. When I finally got a reply it was to tell me that no invoice was included with my claim, even though I was with my vet and watched her attach all important documents and fax them with me in her office and I feel that telling us this was a slap to my vet's practice. After complaining, I'm later told that because we had just signed up they wouldn't help with our claim because it was within the first 30 days we signed up. What's the point of telling us we had a 60 day trial if we can't even use 30 of it. Will be looking for another pet insurance. Very disappointed.

can't believe problems with faxing and don't understand why you don't pay for my dogs prescription food and treats.He is a schnauzer and they have stomach issues.