AKC Review

AKC has something to offer for pet owners who just want basic emergency coverage and individuals looking for more comprehensive protection. However, older pets are not eligible for the same high levels of coverage.

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The Good

Multiple levels of wellness coverage

Not only does AKC offer wellness and routine care coverage for your cat or dog, but they also give you two different levels of wellness coverage to choose from. The basic Wellness plan covers all accidents and emergencies in addition to annual exams and dental cleanings, heartworm testing, vaccines, and more. The Wellness Plus plan covers all of these things plus spaying/neutering, boarding kennel fees, and expanded coverage for certain conditions. Having two different choices for routine and preventative care coverage is extremely valuable because it gives you a way to get the coverage you need without paying for extras you have no intention of using.

Accident-only plans

If you’re just interested in a basic plan to protect your dog or cat against unexpected injuries, choosing an AKC accident-only plan might be a more cost-effective way of insuring your pet than going with a more traditional policy. It doesn’t offer any coverage for illnesses, but your premiums will be much cheaper. Some other companies in the industry offer these types of policies, but it’s not a standard offering among pet insurance providers. An accident-only plan may be perfect for those who don’t have a lot of money to spend on pet insurance but want to protect their pets to some degree.

60-day trial for new members

New members of the American Kennel Club are eligible for a free 60-day trial of AKC pet insurance, twice the usual free look period offered by most companies. You won’t even be charged before the 60 days are up. To access other providers’ free look periods, you must pay up front and have 30 days to request a refund. If you’re looking into AKC membership, it’s worth considering their pet insurance as well, especially since deals like these are hard to come by in this industry.

Kennel fee payments if owner is hospitalized

In the event that you’re involved in a serious accident and are unable to take care of your pet, AKC pays for you to keep your dog or cat in a kennel until you’re released from the hospital. This type of benefit is only available with the Wellness Plus plan, which offers a variety of additional benefits on top of accident and illness coverage. Budget-conscious pet owners may not be able to take advantage of this plan, however. That being said, only a few pet insurance companies provide this sort of coverage to their customers at all, so this is something you’ll want to keep in mind when making your decision.

The Bad

Limited coverage for older pets

If your pet is 9 years old or above, they’re only eligible for AKC’s accident-only plans. The other plans have a cutoff at age 8. There are other pet insurance companies that place similar age restrictions on their plans, but there are also others who allow you to enroll your pet up to age 14 without any restrictions on coverage.

Doesn't insure hereditary or congenital conditions

AKC pet insurance covers conditions that arise after you’ve signed up for the policy, but they won’t cover pre-existing conditions, including congenital or hereditary diseases. While none of the major pet insurance providers insure pre-existing conditions, hereditary and congenital diseases are almost always covered, so AKC’s exclusion of them is unusual.

The Details


  • Co-Payment: 10-20%
  • Deductible: $75, $125
  • Maximum Age of Pet to Be Insured: Unlimited
  • Maximum Annual Benefit: $8,000 - $13,000
  • Maximum Benefit Per Incident: $1,500 - $5,000

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