Reply from AKC Pet Insurance

Not much in return when you send your claims.

Had insurance 2 yrs. dog got injured, stitches to front leg. Had to go to emergency vet. Bill was 500.00 + dollars, Insurance paid $158.56. $250.00 deductible, minus exam.(need exam option to be covered/exam of the wound is part of the emergency procedure) and other things. At 78.00 a month, long term it is simply not worth it. To much fine print. Will put money into separate account and use as needed. Typical Insurance sounds good, but never works out as expected.

My dog is 13+ and we have had this insurance his whole life. While I am glad we have had it, there is one major problem which is that they cap the limits on paying for a condition over the life of your pet. Most other insurance plans do not do this. If I were to pick a new plan I would not pick this plan due to that problem.

I've had this insurance for over three years never had a claim but the pricw goes up every year plus I should be able to go online and see the policy I shouldn't have to call them and until now this is the first time someone has asked me about it. And now that I am retired I might have to drop it.

Don’t call it insurance. Coverage is limited to $1500 for an entire illness. It claims to cover cancer, but didn’t even cover the costs of diagnostics. I spent over $20,000 for the cancer treatment and received only $1500.

Minimal contact. Raised rate. Poor documentation on coverages

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.

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.

I feel that the reimbursement for yearly vaccinations and titers (which determine whether a vaccination is appropriate) is too restricted. My vet is not on the expensive scale and when I am reimbursed $40 for ALL the needed yearly shots, I find that really cheap. Plus the fact that there is a deductible already in place. Also my dog has a condition which would require urinalysis test at least every 6 months. Because he had calcum oxalate crystals (then a very big stone that required major surgery) at a young age, I used up my permitted tests. He is now 9 years old and I am not longer covered for these tests which would be very important in preventing a serious recurrence.