very expensive and not very inclusive or responsive. the older your dog gets, the worse it becomes and there is no way out because other insurers won't touch them when they age.

Reply from AKC Pet Insurance

Used to be great. But reimbursement rate has plummeted, claims take forever to process. Call Center hopelessly understaffed.

When I talked to the lady on the phone she was very rude and she seemed that she really didn't want to help me or answer my questions. I really don't think I will do business with them again

So far only had to use the insurance during the trial period when puppy ate some glass, but I have had a paid policy for a year with no incidents. I like the policy and it should help a lot if I ever do have to use it. What I don't like is the online experience. Customers should be able to create a secure online account to manage the policy, payment, and claims. My schedule makes it hard for me to make calls during business hours, so I don't like that I either have to call a representative or send personal information through email to make any sort of change to my billing. Also it would be easier for me to make sure I have the coverage I want if I could look at quotes online rather than have a representative explain them over the phone, and if I were to file a claim I'd rather submit it through a secure online profile than through mail, email, or fax. That said I have had a good experience when I have had to contact customer service for billing/quote related matters, but it would have been a lot more convenient if I didn't have to call them in the first place.

The insurance claims are clunky and inconvenient; Insurance doesn't cover enough and is more expensive than other policies on the market.

Limited to no coverage. Don’t waste your money.

Very expensive and doesn't cover much. It is for catastrophic incidents, that's all. They change the "rules" every year if you read your booklet. Less coverage, more money.

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.

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.