AKC | Pet Insurance Review

WE have had a nightmare with the AKC — We are taking to our State Department of Insurance for review. This company needs to be held accountable. I would suggest any other provider BUT the AKC. I have dropped the AKC insurance because "seperate incidents" the AKC considered one and DENIED my claims! They have PER INCIDENT LOOP HOLE -- WATCH OUT for that! Wish I knew that. Our experience is they even denied euthanasia for my beloved pet. This is with teh AKC WELLNESS PLAN as well -- the most enriched plan available. I thought I had good coverage EXCEPT the AKC has a HUGE LOOP HOLE that puts everything as ONE INCIDENT and then they DENY the claim- even when they have separate illnesses and DOS listed on the EOB they PREPARED and clearly they are not the same incident. STAY AWAY from this provider if you truly want to have your pet insured. Many other providers with excellent COVERAGE. I found this site fabulous here to be very helpful during my pursuit in finding a new insurance providers for my pups. For myself I selected Embrace that does not have the PER INCIDENT LOOP HOLE!! AKC has been a horrific experience, a huge expense and provided heartache and a PREMIUM cost! I don't wish that on anyone.

Poor Customer Service, Poor Claim Processing, Denied Claims, Long Hold Times, Many Loop Holes in Policy and slow paying IF they ever decide to pay. I have cancelled after many problems with the AKC Insurance. They are the worst all the way around. Read reviews available before engaging with the AKC and become educated in what you are engaging in. Wish I had! I had multiple policies and cancelled every one of them and moved over to Embrace who exceeds all expectations and remain thrilled I cancelled the AKC. My headache is now over since I moved away from the AKC Pet Insurance.

I had been using the AKC Pet Healthcare Plan since I first got my dog in April 2006. Every year I experienced an acceptable increase in the monthly premium as one would expect to incur. The normal increase was between $5-$10 per month year to year. Yesterday I receive my renewal notice from AKC PHP and they want to increase my monthly premium by almost 85%. They expect me to accept a rate increase from %75.00 per month to $138.00 per month. Needless to say, I am looking for a new carrier and would not recommend the AKC plan due to this unnacceptable increase.

I have had multiple pet policies with the AKC for my 4 dogs for YEARS This insurance is only good for the SMALL STUFF! When you truly need it, they will claim some NONSENSE and deny the claim or give you some line of garbage. Unfortunately, I needed the insurance and the AKC did NOT PAY as they claim they will. I STRONGLY suggest if you are purchasing insurance, and think you have a piece of mind knowing you have your beloved pet covered, THEY ARE NOT!!! I am taking the matter to the IL Dept of Insurance - Public Service Section. I ask you... do you want to deal with the AKC; and the added loss of your beloved pet and UNPAID Claims of over $8,000. You are best checking out an insurance company that pays an annual maximum WITHOUT a per incident restriction. For myself, there were 3 separate hospitalizations that the AKC is considering ONE INCIDENT and DENYING diagnostics as well. In the end I will see what the IL Dept of Insurance states, but BEWARE -- do you want to deal with this? Unexpected expenses when you are paying a high premium for YEARS and the loss of your beloved pet and these idiots?!

I have had this insurance for years for 4 of my dogs. My dog was hospitalized 3 seperate times, they paid the 1st bill. When hospitalized the 2nd time they said I was at the maximum for the SAME incident and won't pay anymore. It is NOT the same incident! I am requesting them to look that it is NOT the same thing. Diag. procedure they are not paying either. I pay over $89 per month for 1 policy and this is what I get? I am currently looking into other insurance. My renewal is up with them shortly. My other pups are healthy - Close to $300 per month on insurance -- to have them do this?! I lost my sweet guy and I am crushed = Like I really need this hassle on top of my grief when clearly anyone WITHOUT a medical mind can see an MRI of the brain does not have a thing to do with pneumonia yet they are claiming the same incident - SERIOUSLY -- I can't believe years in the the Wellness Plan Coverage (premium cost) and they pull this. I would NOT recommend this to an enemy.