Do NOT buy this insurance for your PUPPY! I paid 94$ a month for my 3 month old puppy and the first time I used it they denied my 700$ cardiac assessment! What a waste of my money! Do not waste yours!

Update as of 12/22/20 ... it took over a month to appeal the decision on the original decline and the adjuster still declined payment. The tests were run to ensure our dog had not ingested a toxin. The vet updated the records stating that they were screening to ensure no organ damage was showing. The tests showed no organ damage so that was great, but because the vet noted our dog was teething at the time- the AKC insurance adjuster said THAT was the cause of the excessive drooling and declined payment. Great way to dodge payment since Ortho issues are not covered. The issue resolved in 48 hours, but the dog was still teething so that was not the cause of the drooling.

We signed up for this when we registered our new puppy! Every claim we submitted came back with a code "D4"

We found out that our puppy had congenital flaws. They deemed this a pre-existing condition and have covered absolutely nothing. And now they list everything as pre-existing. Scam.

Terrible insurance coverage. Would definitely look elsewhere for pet insurance. I got the 30 day certificate after registering my pet with the AKC. The first claim was denied because the coverage started a day after - fine, I understand that one. The problem cleared up completely, but came back a couple weeks later. I took my pet back to the vet and the problem fell into the “recheck” window. They don’t make you pay full price for an illness check if it’s within a certain amount of time. The claim was denied this time due to “pre-existing” condition, even though the problem was resolved after the first vet visit. It seems like this insurance is going to find any reason to not reimburse. The price of insurance is very high compared to other places (and a lot of companies offer pet insurance now) and considering I haven’t had a good experience, I won’t be renewing it. For the price they charge, I would expect better coverage. I would personally recommend finding another company.

I would definitely look for other companies than this one. I took my dog to been seen for a swollen eye, she was treated for infection 2 different times. Then she continued to have trouble and was diagnosed with Entropion that requires surgery. The policy states you pay 20% for surgery and they pay the 80%. That is false, they only pay up to your per pet incident which my per incident was $500. Her surgery was $1800 they paid 120.22 because they said that they had already paid out $377.78 when she was treated for the swollen eye. So don't fall for the surgery being covered. They are very deceiving and I would stay away!

I received the 30 day free insurance coverage after registering my puppy. I ended up filing a claim after my puppy became sick, and nothing was covered by the insurance. I was actually going to purchase insurance though AKC I’m glad I didn’t, since nothing was covered on my claim. I will go with Nationwide Pet Insurance instead.

Absolutely terrible company, do not use them! There are far better pet insurance companies out there that actually pay on claims versus deny every single one you put in. We were with them for 2 months and they would pay on a single claim and just outright deny everyone you put in for bogus reasons that they make up.

Thieves who do not pay claims owed. I purchased an annual policy for my 9 week old puppy on 2/10/21 to go into effect on 2/11/21 to 2/11/22 to include: companion care, exam plus, hereditary plus, defender, alternative plus. They were giving away one month free companion care which I did not want or ask for. My payment on 2/10/21 was $96.49 because of the free one month of companion care. Each month thereafter I paid $104.54. There is a 30 day waiting period for the hereditary and defender coverage. My puppy went for his 16 week shots on 3/13/21 and the vet noticed he was developing an underbite. Long story short, it’s a hereditary issue and he needed dental surgery to the tune of $4354.50. They have denied my claim saying that the policy really didn’t go into effect until 3/11/21-02/11/22- that would be an 11 mos policy not a 12 mos policy. They have denied my claim in violation of my State’s law. I have a second puppy that I pay $90/mos for insurance - I pay close to $200/mos for my puppies but they don’t cover claims that are clearly covered. If anyone else has been screwed over my this company, please reach out

My first claim for my puppy's injury was denied because they claimed it was preventative care and I didn't have the examination add-on to my injury/illness plan. My puppy injured her paw outside and was bleeding all over the kitchen and house floors and it was an urgent care/emergency vet visit. I guess it is better that I find out early that they find bull crap reasons to not reimburse me than for me to pay into the insurance for a year or more and be denied future claims. Save your money and find a better pet insurance company to invest into your pet.