AKC | Pet Insurance Review

I have had my policy for 3 years and have finally given up! This plan is a disaster! The hassles involved in submitting claims is excessive and I would estimate only 50% of mine have been approved. The last straw - they will not reimburse for medication refills unless the dog is seen by the vet (so the vet can complete their form). Chronically used medications,therefore, are not covered without significant additional cost and hassle. Don't waste your money with this plan! You would do better to pay out of pocket and will have a lot less hassle!

I felt compelled to reply after reading some of the negative posts about Pet Partners insurance. I have had the insurance for my Bernese Mountain dog. He's unfortunately had several trips to the ER after ingesting things he shouldnt have- and even had to have surgery to removed something lodged in his stomach. Having this insurance has payed for itself 20 times over. I found the claim process quite simple and straightforward for all procedures- and even regular checkups and monthly meds like frontline and heartguard. I downloaded and faxed forms- and always received an acknowledgement in the mail within days and payment within a few weeks. If I needed additional information - they are very helpful on the phone providing options. I would reccomend this to anyone.

I've had the AKC plan for 2 years. I have one of the more expensive policies that covers some office visits and medication, dental cleanings, heartworm meds as well as accidents and other illness. I did read the fine print and know that hereditary and congenital conditions are excluded but so far I have not had any problems getting claim forms or being paid for my claims. Payment sometimes takes longer than the 2 week period they mention, but I have never been denied a claim and I would say that overall I have gotten back about half of what my yearly premiums are just for routine care and vaccinations. I have never had an accident claim. The first year I had the neutering plan for and the next year I chose a plan that did not include neutering since it wouldn't be needed again. I did have to call them to change the plan but it was as simple as that. I have no complaints and plan to continue with the insurance.

I had the Wellness Plus Plan for my puppy. The only difference between the Wellness Plus and Wellness Plan is that the Wellness Plus Plan includes the cost of neutering. My puppy was neutered in the first year of cover and the vet's invoice was sent to AKC and was duly settled by them.The next year I received my renewal documents and paid the premium quoted. What I didn't realize, until the subsequent renewal, was that AKC had not downgraded my policy to the Wellness Plan since my puppy had now been neutered, they were still charging me for the Wellness Plus Plan which was no longer appropriate. When I queried this with AKC they said I had to notify them in writing that my dog had been neutered. I told them that not only did they have written confirmation from the vet, but that they had also settled the claim and were therefore well aware my dog had been neutered. AKC refused to refund the additional premium and suffice to say I immediately cancelled my policy. AKC is an arrogant and inflexible company, offering no customer service. I am now with a company who value and respect their customers. Also AKC constantly paid only a portion of my claim, as they considered the bills to be 'unreasonable'. I can't help that I live in an expensive area and in fact when you get a quote you have to enter your zip code and I'm sure your premium is adjusted accordingly. They should pay me back the full cost of my dog's care, as that is how much it costs me to provide care for him in my area.

I took out this plan when my AKC registered puppy was 4 months old.They have paid for 4 knee surgeries, one tooth extraction and eye cyst removal.They have been polite on the phone as well as timely in their payments.Better than VPI I used to have with my other dog.