UPDATE: My pneumonia claim is now being processed. I am satisfied with the results of my claims. It did take time for issues to get resolved but thankfully the manager working the case got in touch with the vet on the phone to work out any miscommunications.

If I could leave 0 stars, I would. Our 1 year old pup has had to have 2 total hip replacement surgeries and now a knee surgery all by a phenomenal specalist from Blue Pearl (5 stars for them). AKC did not and will not cover any of those ($20,000 when its all said and done) even though we have the premium package and our fur babies are AKC Good Citizen Certified. They lead you on into thinking you are fully covered but then fill you in on a 30-180 day waiting period, hidden fees, etc. After the poor customer service displayed by the AKC staff, we ended up canceling our coverage and they offered a $50 reimbursement which yes was appreciated, but at the end of the day, not enough. We would do any and everything for our dogs but unfortunately I can't say the same about AKC. Save your money and find a different pet insurance company. Just sad.

Joke of insurance policy. The Exceptions for coverage are written so they can deny practically everything.

Do Not waist your money or time. They make up definition for other reasons than what your pet had done at the vet. You will have to fight to get your monody back.

UPDATE: Changing my review from 1 star to 3 based on a recent conversation I had with the manager. My claims are being worked. He spoke with the Vet on the phone to get all of the needed information since it was not being clearly communicated via fax and email. It took some work but I am thankful that the manager was able to resolve my issues.

I have paid over $1,100 per year for pet insurance for my 2 AKC registered canines for 6 years. Recently I came home to my Rottweiler yelping in agony. After a trip to the emergency vet for initial assessment, we took him to his regular vet the following morning. He had prostitus and needed an emergency neutering to relieve the pressure. After filing my claim, AKC Pet Insurance reimbursed me $0.00!!!

We have made multiple requests to speak to a manager to get 3 issues resolved and NO one has called. From billing date issues, to refusal to pay for surgical procedures covered by the policy to no communication. We where warned and now I am writing reviews letting everyone know You don’t Want to use this company! Go with Figo or another company who cares.

AKC's registration is misleading. One of the first benefits that AKC mentions is 30 days of pet insurance. However, it isn't until you pay and finish your registration that they tell you that your state does not qualify. Very misleading! I called customer service to see if they can remedy this situation, and they were unable to. They say that my purchase is non-refundable. They acknowledged the frustration and misleading marketing, but they did nothing about it.

Do NOT buy this insurance for your PUPPY! I paid 94$ a month for my 3 month old puppy and the first time I used it they denied my 700$ cardiac assessment! What a waste of my money! Do not waste yours!

Update as of 12/22/20 ... it took over a month to appeal the decision on the original decline and the adjuster still declined payment. The tests were run to ensure our dog had not ingested a toxin. The vet updated the records stating that they were screening to ensure no organ damage was showing. The tests showed no organ damage so that was great, but because the vet noted our dog was teething at the time- the AKC insurance adjuster said THAT was the cause of the excessive drooling and declined payment. Great way to dodge payment since Ortho issues are not covered. The issue resolved in 48 hours, but the dog was still teething so that was not the cause of the drooling.