AKC Pet Insurance denied all claims related to the condition that led to my dog's death (bowel obstruction) because they had paid me $10 for when I took him to the vet when he was vomiting a few months ago. The vet took X-rays at that time and found no obstruction. Their customer service representative provided no recourse and left me with over $10,000 of bills for a very traumatic experience that ended in my beloved young dog's death. They claim that they cannot revise the previous claim because it has been "finalized."

AKC pet insurance was the first option I considered the day I brought my beloved Fiona home. I am so very thankful for everything AKC pet insurance did for Fiona and I. They always responded quickly to our claims. I would most definitely recommend AKC pet insurance to anyone considering pet insurance.

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.

All this week, it was one problem after another and therefore why I am getting rid of this insurance and have already found another. First problem was when I went online trying to find out the cost of adding three more pets. When I clicked what would be to review the cost and selecting my payment method and apparently it was to sign them up! I have never ordered online and not be taken to select the payment method. It used the one i had previously paid with and I am no longer continuing to bank with them so had no funds to cover the charges. I immediately called and was just basically told by your not so friendly reps that it was my fault because I clicked the add button! I removed the added pets and asked for a refund. I also asked to be refunded the $35 overdraft fee this caused. I was told they don't reimburse those and it was my fault they told me again. How can it be my fault when I had no intention of drawing from that account if I had been asked. The next thing I learned after submitting two claims was that you only reimburse after I've paid it off!! Then why do you bother asking me where I want the payment sent???? To me or my vet???? Why would I have you send it to the vet if I've paid the bill?

If you don’t have prior 2 years of vet paperwork don’t bother; they won’t take your claims. There’s also a waiting period, and anything pre-existing is not covered. You are better off taking the money you would potentially give them and putting it into a savings account.

It seems like good insurance. But I have reached out to customer service three times since 7/28 with no response or acknowledgment. Makes me nervous for when I actually have to submit a claim

Pays very very low on preventive and puppy vaccinations

This is the worse pet insurance you could possibly purchase! Absolutely do not purchase this for your pet as they make it super difficult to file a claim and they deny most of them. It is a total rip off and they just take your money. They will have a few good reviews as they do pay out a small percentage but it’s like a Ponzi scheme as others pay the price for a few pay outs they do make. Our claims were denied and the second claim for our dog accidentally injured her right ccl chasing a puppy and they denied our claim as an accident. Again, shop around and stay clear of ASPCA as it’s NOT what they advertise.