It's nothing like "people insurance," and it totally should run and interface the exact same way. Once you're signed up for a policy, there's no other interaction - with a person, on a website, etc. - renewal notices arrive by mail with no explanation for the annual increase in premium - there is no web access to view claim status (I don't know that you can view claim status at all) - you cannot see "what is covered and what is not," and I want to say that the policy we have had on our dog (7 years) has a different name and description from what you would see on the "retail market" currently, so I can't even tell what we pay for and what we don't. It's kind of silly.

The exclusions are somewhat ridiculous. Including lymes and arthritis. If human insurance excluded those items, there would be outrage.

When I talked to the lady on the phone she was very rude and she seemed that she really didn't want to help me or answer my questions. I really don't think I will do business with them again

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.

Limited to no coverage. Don’t waste your money.

Not so much as friction but the increasing insurance premium year by year seems to far outweigh the long term benefits my pet gets from AKC insurance. Time will tell if a much greater residual benefit will come.

Reply from AKC Pet Insurance

Ive been spending $65 a month for 18 months. I turned in $2800 in vet bills and was only refunded $270. Big waste of time and money.

Used to be great. But reimbursement rate has plummeted, claims take forever to process. Call Center hopelessly understaffed.

I have had several claims that were not paid and with no correspondence from AKC Pet Insurance about why the claim was turned down.