Before selecting a pet insurance provider, it’s wise to read customer reviews of its policies and claims process from pet owners. By doing this, it can provide valuable insights.
AKC Pet Insurance offers several plan options, from accident and illness coverage to hereditary and congenital conditions, as well as cruciate ligament coverage.
What is AKC Pet Insurance?
AKC Pet Insurance offers a comprehensive selection of plans and riders that cover everything from routine care to end-of-life expenses, from hereditary conditions like hip dysplasia and arthritis. In addition to standard accident and illness coverage, AKC also provides Hereditary Plus to provide coverage against chronic conditions like hip dysplasia and arthritis. Premiums tend to be relatively affordable compared to other insurers; however the costs can quickly skyrocket when adding on additional coverages.
AKC’s CompanionPlus base plan offers comprehensive pet health coverage at a great value for pets of all ages and types. It covers veterinary visits for injuries and illness with annual maximum payouts that range from $2,500 up to unlimited in some states, with customizable features like choosing your deductible, coverage limit, reimbursement rate and reimbursement rate (to name just three options). They even provide a handy free quote tool to estimate policy costs!
If enrolling a pet over nine years of age with AKC, AKC requires that most health claims take effect over time – with preexisting conditions being subject to 12-month waiting periods and 180-day periods for cruciate ligament claims. To cover hereditary or congenital conditions with its HereditaryPlus add-on with its extended waiting times.
As opposed to some pet insurance providers, AKC does not provide separate wellness plans for routine preventive care. Instead, they consider elective procedures like ear cropping and grooming as elective; coverage does not extend for them. Furthermore, behavioral therapy – an emerging area of pet medicine with long-term advantages for many pets – is also not included in these policies.
AKC provides not only a 30-day money-back guarantee, but also offers pregnancy and breeding coverage in certain states that offers coverage against complications that arise during gestation, breeding and nursing. With this rider in place, AKC ensures coverage in case unexpected complications or accidents arise during these processes.
AKC offers comprehensive coverage options designed to safeguard against medical expenses for your dog or cat, but their lack of exam fee coverage and high prices for adding on coverages might put some potential customers off. If you want a more cost-effective solution, try Lemonade or ManyPets; both offer monthly base plans with comprehensive coverage with no waiting periods required.
Does AKC Pet Insurance Cover Pre-Existing Conditions?
AKC Pet Insurance provides comprehensive protection for pet owners seeking comprehensive coverage of their animal. As with most health plans for animals, AKC does not cover every expense that might arise; for instance elective procedures such as ear cropping and tail docking do not fall under its purview; injuries from intentional or repetitive behaviors like biting, chewing and running into objects are excluded as are routine services like bathing/grooming as well as food/dietary supplements that haven’t been prescribed by your vet as part of the policy coverage.
The company provides an easy website and user portal for signing up, submitting claims, updating billing info and tracking visits or managing pet records and making payments. AKC policyholders also have access to its annual wellness plan that reimburses preventative treatments up to an annual capped amount limit.
Notable characteristics of AKC policies include their competitive prices and fast claim turnaround time; in many instances policyholders can receive reimbursement within five days after providing all paperwork and medical records to an applicable veterinarian. Although the base plan doesn’t cover hereditary or congenital conditions or chronic diseases, you can add on these options at an increased premium cost.
AKC’s base plan does not cover dental care outside of accidents or burial and cremation expenses; you can add on ExamCare for regular exams and vaccinations, while Hereditary Plus covers genetic conditions as well as chronic illness with multiple waiting periods.
AKC provides annual maximum payouts ranging from $2,500 to unlimited in certain states, similar to other major pet insurers with variable deductibles and coinsurance rates. You can further tailor your policy with additional riders such as hereditary/breed specific coverage, final respects/special diets coverage.
Does AKC Pet Insurance Have a Claims Process?
AKC Pet Insurance provides customizable policies designed to fit any budget or need. With curable preexisting conditions covered within one year in certain states and the ability to choose deductibles, coverage limits, and reimbursement rates that fit customer budgets precisely, AKC stands out as a stand-out pet insurance option.
As part of its services, this company boasts an experienced customer support team to assist customers with policy questions and claims submission. Reviews posted to ratings sites tend to be positive; customers frequently praise quick refunds and an intuitive claim submission process as standout features of this provider.
Some potential customers may be dissuaded from choosing AKC due to its lengthy waiting periods, which vary depending on state and plan option, and higher premiums compared to competing options on the market, especially when adding comprehensive coverages. Furthermore, its limited coverage for hereditary and congenital conditions and chronic diseases could further dissuade potential customers.
AKC’s claims process is quick and painless; customers can access it either via its website or its customer service department. AKC will offer compensation of up to $500 per incident for life with exception to injuries to cruciate ligaments that carry a 180-day waiting period.
When filing a claim, ensure to include all necessary documents and veterinary records – this will help speed up the claims process and expedite reimbursement faster. Also make sure to provide a detailed account of what caused injury or illness, any complications it caused and medications prescribed as part of treatment for your pet.
Once your claim has been filed, the company will review and notify you of their decision. If approved, checks should arrive to you within seven days (or sooner). Claims can be submitted online via form submission, email, fax or phone.
AKC Pet Insurance is provided by Independence American Insurance Company, which holds an “A-” rating from A.M. Best and indicates its financial stability and ability to meet its financial obligations. Furthermore, Independence American is licensed to operate in all 50 states with policies being overseen by each state’s department of insurance.
Is AKC Pet Insurance Affordable?
AKC Pet Insurance offers comprehensive medical coverage that will meet their pets’ medical needs throughout their lives, with unique features like preexisting condition coverage after one year in certain states and flexible deductible, coverage limits and reimbursement rates to choose from. However, potential customers should keep several factors in mind before making their final decision on AKC.
AKC’s customer service team can be reached either via phone or live online chat to answer all of your inquiries relating to applying and policy details, claims management assistance and general account administration. Their aim is to make pet ownership as simple and stress-free as possible!
Although AKC’s base plan is relatively affordable compared to other policies, its exclusions could increase its cost beyond your budget goals. These exclusions include not covering veterinary exams (unless purchasing ExamCare addon), breed specific medical conditions (except cruciate ligament related injuries) or preventative care costs; in addition to different waiting periods that could delay coverage for injuries and illnesses.
Keep in mind that AKC may increase their deductible and coverage limit options as your pet ages, which could result in increased monthly premiums. Furthermore, AKC does not cover exotic pets; for this reason it may be wiser to seek coverage through other insurance providers who might consider each case individually.
No matter its drawbacks, AKC Pet Insurance should still be considered when looking for a reliable policy that will ease the financial strain associated with pet ownership. Their customer satisfaction rate is high, while their straightforward claims process appeals to most pet owners. In addition, they offer a 30-day money-back guarantee on new policies.
When selecting a pet insurance provider, it is vital to fully comprehend their coverage options, reimbursement rates and deductibles so as to get the most value for your money. In addition, take a close look at any annual maximum payout options as well as what type of coverage it includes for hereditary and congenital conditions; NerdWallet takes these factors into consideration when rating companies on affordability.