Explore Pet Insurance Coverage and Rates

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Independence American Insurance Co AKC pet insurance

Independence American Insurance Co AKC pet insurance

On Independence American Insurance Co’s website

AKC pet insurance

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Given the AKC’s long history in the health and well-being of dog breeds, it only makes sense that it would be a pioneer in pet insurance. This AKC pet insurance review finds that early on, the company focused on coverage for dogs within the Kennel Club of Great Britain. Since then, the brand has expanded to cover all dogs turning into the AKC pet insurance company we know today. Answering the most obvious question: your pet does not have to be AKC registered to buy AKC pet insurance.

The current business model for AKC includes pet insurance coverage options for dogs and cats, including base plans for accidents and illnesses. Independence American Insurance Company underwrites its current plans with a robust financial rating of A- from AM Best. This rating indicates high financial stability and a high likelihood of paying claims and meeting other financial responsibilities.

If you’re in the market for a pet insurance policy and wondering if AKC pet insurance is the right choice, read on to learn about coverage, cost, and how it compares to similar pet insurance companies.

Pet Insurance Plans from AKC Pet Insurance

AKC pet insurance offers several types of pet insurance to suit your needs. Buyers have options from base coverage for unforeseen events to comprehensive protection for their pet’s health. However, AKC pet insurance offers a service not provided by other providers.

Every puppy registered with the AKC is eligible for 30 days of free pet insurance coverage with no limits on incidents, no waiting periods, and 80% reimbursement. This 30-day benefit is great for breeders and new pet parents taking on AKC-registered puppies. New pet parents have 28 days to activate the free 30-day period.

Benefits cover toxic ingestion, surgery, broken bones, foreign body ingestion, cancer, hospitalization, and more. Pet parents who want to continue coverage must fill in payment information within the AKC system before the initial trial period expires. It should be noted this unique plan (that also bypasses traditional waiting periods) is only available in some states.

Pet parents who live in non-eligible states or who miss the free 30-day plan can still sign up for long-term coverage in all 50 states and Washington, DC. However, New York, California, Florida, and Washington residents are subject to slightly different coverage rules. Interested pet parents should read their policy documents.

In general, AKC pet insurance offers generous coverage limits depending on how much you’re willing to pay. Covered services include standard veterinary care and services like hydrotherapy and physical therapy. Most importantly, for some pet parents, the sample plan on the website also states that preexisting conditions can be covered if asymptomatic for 365 days.

Additional Coverage Options from AKC Pet Insurance

AKC pet insurance offers several add-ons to boost coverage limits. Options include:

  • CompanionCare: This coverage provides enhanced accident and illness insurance for pets with additional coverage for alternative and holistic care, behavioral problems, and vitamins and supplements. Policyholders with CompanionCare also enjoy no per-incident limits and the option for no annual limits.
  • Exam Coverage: This rider reimburses pet owners for the cost of veterinary exams when pets are sick or injured. It applies whether policyholders seek care in a veterinarian’s office, a pet hospital, or a specialty clinic.
  • Hereditary Coverage: This add-on coverage protects against genetic conditions such as heart disease, hip dysplasia, eye disorders, arthritis, and diabetes.
  • Breeding Coverage: As the name suggests, AKC-registered dogs enjoy coverage for various breeding-related issues, including emergency c-sections, eclampsia, liver failure, gestational diabetes, and more.
  • Defender and Defender Plus Wellness Coverage: Pet parents can also add wellness coverage to their plan, which helps pay for routine medical care that keeps their furry friend in optimal health. It covers wellness exams, spay and neuter, microchips, vaccinations, teeth cleaning, heartworm prevention, and other preventative care.
  • SupportPlus Final Respects Coverage: This unique rider helps pet parents say goodbye to their furry friends with the utmost respect after their passing. Coverage pays for cremation, burial, urns, and memorials, although a waiting period and a $300 maximum benefit apply.

What Is Not Covered by AKC Pet Insurance?

AKC pet insurance, unsurprisingly, doesn’t cover preexisting conditions. Pet insurance policies exclude routine wellness care and hereditary and congenital issues unless the pet owner adds the appropriate riders to their plan.

Potential customers should also know AKC pet insurance reimburses pet parents for pet care expenses after the fact. So veterinary bills need to be paid by the pet owner upfront.

Waiting periods also apply, including:

  • 14-day waiting period for illnesses
  • 2-day waiting period for accidents
  • 180-day waiting period for IVDD and cruciate ligament-related conditions
  • Longer waiting periods (up to 365 days) for curable preexisting conditions

How Much Does Pet Insurance from AKC Pet Insurance Cost?

The cost of pet insurance varies based on factors like the type of pet you have, age, breed, and coverage limits. For example, you’ll pay a lot more for a comprehensive pet insurance plan with wellness care than a basic one with no riders to customize coverage. Other impacting pet insurance costs include deductibles, coinsurance, and annual coverage limits.

With these details in mind, we got pet insurance quotes from AKC pet insurance for several animal profiles with the following monthly premiums:

Average Pet Insurance Costs for Dogs

Average Pet Insurance Costs for Cats

How Do I File Claims with AKC Pet Insurance?

AKC pet insurance asks its customers to pay all veterinary and pet care costs upfront before applying for reimbursement. Once a customer is ready to file a claim, they can submit itemized receipts and a finalized claim form using any of the following methods:

Customers can also mail in claims materials to the following address:

PetPartners, Inc.

PO Box 37940

Raleigh, North Carolina, 27627

That said, it’s essential to understand how pet insurance through AKC pet insurance works and how claims are paid out. Generally speaking, each policy has the following components:

  • Annual benefit: How much will AKC pet insurance reimburse during a coverage cycle?
  • Deductible: How much will you pay before any coverage begins?
  • Coinsurance: What percentage of care are you responsible for after your deductible and until annual limits are exhausted?

For example, let’s say you selected an AKC pet insurance plan with a $500 deductible, 20% coinsurance, and no annual limits. If your pet accidentally ingested a toxic substance and needs surgery costing $6,000, you would pay the veterinary hospital upfront.

If you can’t pay the total $6,000, we recommend talking to your vet about CareCredit or other options to bridge the financial gap. Then you would file a claim with AKC pet insurance and receive reimbursement of $4,400. This is your coverage after paying your $500 deductible and 20% coinsurance.

Some pet insurance companies apply coinsurance to the deductible. So a $500 vet bill would fulfill $400 of the deductible at 80% coinsurance. Before filing a claim, you should always read your policy documents to understand your reimbursement structure.

What Preexisting Conditions Are Excluded with AKC Pet Insurance?

AKC pet insurance offers protection for some curable preexisting conditions if asymptomatic for at least 365 days. Pet parents who want coverage for diabetes, arthritis, heart disease, or other genetic conditions will need the Hereditary Coverage add-on before their pet reaches age two. A separate waiting period of 30 days applies to coverage for hereditary diseases.

Compare AKC Pet Insurance vs. Figo

Figo Figo Pet Insurance

AM Best Financial Strength Rating


Figo Figo Pet Insurance

AM Best Financial Strength Rating


Figo Pet Insurance


AM Best Financial Strength Rating


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Figo pet insurance offers coverage for cats and dogs with benefits like curable preexisting conditions coverage, lightning-fast claims, and 24/7 access to a licensed veterinarian. In addition, plans from Figo cover everyday pet care expenses for accidents and emergencies, common illnesses, hereditary conditions, cancer, and more. Pet owners can also add wellness and other riders for genetic diseases, final expenses, etc.

Both companies offer options with unlimited annual coverage. However, AKC pet insurance offers its unique 30-day plan for puppies. Figo offers all covered pets a personalized pet tag that syncs their information to the Pet Cloud to help find them if they are lost or stolen. Figo and AKC pet insurance offer affordable pricing, diverse coverage options, and a positive experience for pet parents.

Compare AKC Pet Insurance vs. MetLife

MetLife MetLife Pet Insurance

MetLife MetLife Pet Insurance

MetLife Pet Insurance

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MetLife pet insurance pays for up to 100% of the unexpected costs of pet care, depending on the plan you select. Coverage can be purchased for dogs and cats, and MetLife even offers family plans for all the pets residing in a home, covering accidents, illnesses, and wellness needs.

AKC pet insurance brings a historical dedication to dogs and strong coverage. MetLife‘s most generous plan limits annual coverage to just $10,000. Despite what you might think, MetLife pet insurance plans are not particularly cheap compared to industry averages.

Most pet insurance companies come from a passion for pets and a desire to help. MetLife’s plan seems to attempt to keep pet parents from taking their insurance needs outside MetLife’s network. Unfortunately, the company failed to create a competitive pet insurance product to achieve that goal.

Compare AKC Pet Insurance vs. Healthy Paws

ACE American Insurance Company Healthy Paws

ACE American Insurance Company Healthy Paws

On ACE American Insurance Company’s website

Healthy Paws

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Healthy Paws is worth checking out if you’re looking for a pet insurance plan with no maximum annual or lifetime payouts. Coinsurance of 70% or 80% and a deductible of $250 or $500 apply to every policy. Policy premiums between the two companies are similar, as is coverage.

According to reviews, Healthy Paws offers friendly customer service and straightforward claims processing. Despite AKC’s more extended history, Healthy Paws is the once scrappy underdog that has taken the pet insurance market by storm.

AKC pet insurance offers free 30-day coverage up front for newly AKC-registered puppies. Healthy Paws created its own 501(c)(3) to sponsor shelter pets to find their forever homes. Both providers continue to drive the industry forward from all sides.


We compared dozens of highly-rated pet insurance companies. Factors we considered include plan benefits, exclusions, annual limits, deductibles, and coinsurance requirements. We also looked at riders and other optional coverages, including wellness plans and riders.

Pet insurance is unique among insurance products. Many big and small companies operate based on a vested interest in the health and well-being of pets. Premiums are generally $20-$50 monthly for a basic plan, which doesn’t leave much wiggle room financially.

This is why excluding preexisting conditions has become an industry standard. Pet insurance companies can continue offering affordable coverage to as many pets as possible while paying out eligible claims consistently.

When looking at popular pet insurance companies, you might see similar pricing, coverage limits, and deductibles. However, for comparison purposes, we factor in many additional metrics to see which companies create positive customer experiences now and in the future. You can read more about our insurance rating methodology.


Spay and neuter services are not covered by AKC‘s traditional accident and illness plans. However, pet owners who add on Defender or Defender Plus coverage for wellness care get coverage for spaying and neutering, wellness exams, de-worming, and more.

Pet parents who add on Defender or Defender Plus coverage for wellness care enjoy coverage for teeth cleaning and other routine wellness services. However, it’s not part of the basic accident and illness plan.

AKC pet insurance offers plans for both dogs and cats.

AKC pet insurance offers annual limit options depending on how much you want to pay. You can choose unlimited annual coverage to be prepared for the worst, and with affordable pricing, many pet parents do just that. Ultimately, pet owners who choose AKC pet insurance can tailor its plans based on their preferred annual coverage limits, deductibles, and coinsurance amounts.

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