Pet Insurance Plans | AKC Pet Health Insurance for Dogs and Cats
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Frequently Asked Questions

Terrier with a pet insurance plan provided by the AKC Pet Healthcare Plan | Pet Health Insurance for Dogs and Cats

Who is eligible for the AKC Pet Healthcare Plan?

Policies are available to US residents, for dogs 8 weeks and older, and for cats 10 weeks and older. Pets can be enrolled in four plans that include illness coverage if they are under 9 years of age. Once enrolled, coverage can renew regardless of age. The Accident Plus Plan is available for pets of any age. Issuance of coverage is subject to underwriting guidelines.

Does my pet have to be purebred and/or registered?

No - the AKC Pet Healthcare Plan is available to all dogs and cats that meet the underwriting guidelines. We cover pets that are pure breeds, mixed breeds, registered and unregistered.

Do you offer a multiple pet discount?

Yes, if you insure two or more pets with us you will receive 5% off each pet’s premium.

Who underwrites the AKC Pet Healthcare Plan?

The AKC Pet Healthcare Plan is underwritten by American Pet Insurance Company.

Can I use my current veterinarian?

Yes - you can take your pet to any licensed veterinarian in the United States or Canada.

What is covered?

The AKC Pet Healthcare Plan provides benefits for covered veterinary services including surgery, hospitalization, diagnostic and laboratory tests, X-Rays, CT scans, MRIs and prescription medications. We offer four plans for both Accidents and Illnesses at different levels of protection. In addition we have a low-cost plan called Accident Plus that covers specific accidents and injuries and it is open to pets of any age.

The Wellness Plans add additional coverage for preventive treatments such as vaccinations and boosters, annual physical exam, heartworm testing, annual de-worming, heartworm prevention, flea and tick control and annual dental cleaning.

The Wellness Plus Plan offers extra benefits for spay/neuter, vaccine titers in place of vaccinations, unlimited cruciate injury coverage, expanded diagnostic testing and for boarding fees if the owner is unexpectedly hospitalized for more than 48 hours and there is no one at home to take care of your pet.

For a summary of benefit levels, please see our Side-by-Side Plan Comparison.

For full details, please see our Policies Terms & Conditions.

What is not covered?

No insurance policy covers everything, so we hope you will read your terms and conditions closely. Generally, the AKC Pet Healthcare Plan does not cover the following:

When do my benefits start?

Coverage for injuries and preventive coverage (if included in your selected plan) starts on Day 1. Accident coverage begins Day 5. Illness coverage, where applicable on a new plan, begins 30 days after your effective date.

Is there a Deductible or any Co-Insurance?

Yes - the deductible amount and frequency, together with the co-insurance amounts are listed on the Benefits Summary by policy. Once you have met the deductible, the Plan pays the co-insurance percentage of allowable charges up to the incident maximum payable amounts.

Do you cover vaccinations?

Yes - Preventive care such as vaccinations and boosters, an annual physical exam, flea/tick control, dental cleaning etc. is covered under the Wellness Plan or Wellness Plus Plan. Please see our Benefits Summary for more information.

Do you cover spaying or neutering?

Yes – the Wellness Plus Plan provides coverage for spay or neuter procedures.

How do I file a claim and get reimbursed?

It is simple. Pay for the visit at the time you receive services. Take a claim form to the veterinarian's office and have your Veterinarian fill out Section 2. You fill out the rest of the form and send it to us along with a copy of the itemized invoice. You can send the completed form by email, mail or fax.

We process claims within 30 days of receipt of all necessary documents. The AKC Pet Healthcare Plan reimburses you directly for claims.

Will my insurance be cancelled as my pet ages?

No - we want to protect your pet through a long and happy life.

What is a waiting period?

There is a 30 day waiting period for illness coverage and 5 day waiting period for accidents. Which means you will have no coverage for Illness or disease in the first 30-days of policy and no coverage for unforeseen accidents for the first 5 days where applicable. If continuous coverage is maintained, the waiting period will be waived for renewals.