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Fact
AKC Pet Insurance — Accident & IllnessRemove
BrandAKC Pet Insurance
TypeInsurance
ForCat, Dog
CoverageAccident and illness
What's coveredEligible diagnostics, surgery, hospitalization, emergency care, cancer treatment, and prescription treatment can be covered.
ExclusionsPre-existing conditions, elective or cosmetic procedures, and routine care without an applicable optional add-on are excluded.
ReimbursementCustomizable reimbursement percentage; current choices are shown during enrollment.
How reimbursement is worked outThe annual deductible is applied first, then the selected reimbursement percentage is applied to eligible expenses.
DeductibleCustomizable annual deductible selected during enrollment.
How the deductible worksAnnual deductible; met once during the policy term.
Annual limitCustomizable annual payout options up to $10,000 for eligible expenses.
Payout limitSelected annual payout limit; current eligible options are shown at enrollment.
Waiting period: accidents2 days for accident-related injuries, subject to state policy terms.
Waiting period: illnesses14 days for illnesses, subject to state policy terms.
Waiting period: orthopedic conditions180 days for cruciate-ligament and intervertebral-disc conditions, subject to state policy terms.
Pre-existing conditionsGenerally excluded at first; eligible pre-existing conditions may be covered after 365 continuous days of coverage in participating states.
Hereditary and congenital conditionsOptional HereditaryPlus coverage may be available when the pet is enrolled before age 2, subject to state terms.
DentalTreatment for a broken permanent tooth can be covered; routine cleaning requires an applicable wellness add-on.
Exam feesExam fees are not included in base accident-and-illness coverage; optional ExamPlus coverage may be available.
PrescriptionsPrescription medication for eligible covered conditions can be covered, subject to policy terms.
Preventive careOptional Defender and DefenderPlus wellness plans reimburse eligible routine-care expenses.
Which vetsUse any licensed veterinarian in the United States or Canada.
Paying the vetThe policyholder pays the veterinarian first and then submits a claim for reimbursement.
ClaimsSubmit the claim through the customer portal or claim form with veterinary records within 180 days of treatment.
RenewalWaiting periods do not restart on continuous renewal; benefits and premiums remain subject to renewal terms.
Where it's offeredInsurance products and optional coverages vary by state; confirm availability in the current quote and policy.
Checked against the sourceJuly 23, 2026

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