My claim was denied on the removal of an undescended testicle in a dog. I appealed and was informed that I would need additional coverage to the ever escalating premiums that I already pay. This was not a neuter, but a necessary procedure done to prevent cancer, which is a risk with undescended testicles. AKC pet insurance is overpriced and has many add on with coverage, not a basic wellness coverage and/or illness/accident coverage. I would not recommend and will be cancelling the policy.

I was pleased with AKC insurance when I first signed up (and, even recommended it to my fellow dog exhibitors), but competence has taken a steep nosedive over the past few months, with claims adjusters denying claims made less than 30 days after a covered event as having exceeded the 180 day limit. I strongly suspect they have either instituted the use of AI to deny claims based upon the inability of their AI software to accurately process claims, or they’ve hired employees who don’t understand how to read a calendar.

Typical insurance company that will spend an inordinate amount of time and energy (money) into looking to deny your claim. I got the 30 days free when registering my dog and by happenstance had a claim..urinary tract infection for a female puppy and they arbitrarily claimed it was a congenital defect. The Vet said no way. Not worth the fight since I will not be renewing and definitely not worth your money to get this insurance.