AKC Pet Insurance
Accident & Illness
Dogs & catsAccident + illness
Plan facts read from the provider's official pages; last reviewed 2026-07-23. Facts vary by state, pet age, and breed — confirm every detail on the official policy documents before purchasing.
Coverage terms
- Region availability
- Insurance products and optional coverages vary by state; confirm availability in the current quote and policy.
- Annual limit options
- Customizable annual payout options up to $10,000 for eligible expenses.
Costs
- Reimbursement options
- Customizable reimbursement percentage; current choices are shown during enrollment.
- Deductible options
- Customizable annual deductible selected during enrollment.
Waiting periods
- Accident
- 2 days for accident-related injuries, subject to state policy terms.
- Illness
- 14 days for illnesses, subject to state policy terms.
- Orthopedic
- 180 days for cruciate-ligament and intervertebral-disc conditions, subject to state policy terms.
Eligibility
- Pre-existing conditions
- Generally excluded at first; eligible pre-existing conditions may be covered after 365 continuous days of coverage in participating states.
- Enrollment age limits
- Not available
Exclusions
- Exclusions summary
- Pre-existing conditions, elective or cosmetic procedures, and routine care without an applicable optional add-on are excluded.
Source
Official provider page: akcpetinsurance.com · last reviewed 2026-07-23