Reply from AKC Pet Insurance

Not much in return when you send your claims.

Had insurance 2 yrs. dog got injured, stitches to front leg. Had to go to emergency vet. Bill was 500.00 + dollars, Insurance paid $158.56. $250.00 deductible, minus exam.(need exam option to be covered/exam of the wound is part of the emergency procedure) and other things. At 78.00 a month, long term it is simply not worth it. To much fine print. Will put money into separate account and use as needed. Typical Insurance sounds good, but never works out as expected.

My dog is 13+ and we have had this insurance his whole life. While I am glad we have had it, there is one major problem which is that they cap the limits on paying for a condition over the life of your pet. Most other insurance plans do not do this. If I were to pick a new plan I would not pick this plan due to that problem.

Minimal contact. Raised rate. Poor documentation on coverages

Don’t call it insurance. Coverage is limited to $1500 for an entire illness. It claims to cover cancer, but didn’t even cover the costs of diagnostics. I spent over $20,000 for the cancer treatment and received only $1500.

I've had this insurance for over three years never had a claim but the pricw goes up every year plus I should be able to go online and see the policy I shouldn't have to call them and until now this is the first time someone has asked me about it. And now that I am retired I might have to drop it.

I have found this not to be the kind of insurance l expected from the AKC. I have had issues from the get go. From taking forever to process a claim, to saying they "never" got faced, emails from my vets office to in the beginning filling several months worth of claims (aprox) $600+ getting back $84. Finding out that office visits aren't covered just the diagnose fee the are. How can you have diagnose without an office visit ?. Oh but l can have that covered by paying MORE FOR MY PLAN. Really! Try to read the policy. It would take a Philadelphia lawyer to understand half of it. I am paying extra for bigger things in case I have serious issues in the future. What l'm afraid of is that this company will find at that not crossed or an I that isn't dotted in order not to pay. I have brought forms in to my vet to be filed out, send them in and get a notice" can't process, not enough info". Seriously! My vet didn't have timed to write a full page essay with each claim. My vets front desk people have said more than once that they have more trouble getting claims done for their clients with this company compared to angry other insurance company. These needs to be major changes. On a passive side, I will say the customer service people are more than nice on the phone when I haven't been so much.Guess they are use to hearing frustrated customers.Would I recommend this insurance to anyone? Absolutely not.

Not so much as friction but the increasing insurance premium year by year seems to far outweigh the long term benefits my pet gets from AKC insurance. Time will tell if a much greater residual benefit will come.

It's nothing like "people insurance," and it totally should run and interface the exact same way. Once you're signed up for a policy, there's no other interaction - with a person, on a website, etc. - renewal notices arrive by mail with no explanation for the annual increase in premium - there is no web access to view claim status (I don't know that you can view claim status at all) - you cannot see "what is covered and what is not," and I want to say that the policy we have had on our dog (7 years) has a different name and description from what you would see on the "retail market" currently, so I can't even tell what we pay for and what we don't. It's kind of silly.