AKC Pet Insurance — Accident & Illness

Plan facts

Coverage

Accident and illness

What's covered

Eligible diagnostics, surgery, hospitalization, emergency care, cancer treatment, and prescription treatment can be covered.

Exclusions

Pre-existing conditions, elective or cosmetic procedures, and routine care without an applicable optional add-on are excluded.

Reimbursement

Customizable reimbursement percentage; current choices are shown during enrollment.

How reimbursement is worked out

The annual deductible is applied first, then the selected reimbursement percentage is applied to eligible expenses.

Deductible

Customizable annual deductible selected during enrollment.

How the deductible works

Annual deductible; met once during the policy term.

Annual limit

Customizable annual payout options up to $10,000 for eligible expenses.

Payout limit

Selected annual payout limit; current eligible options are shown at enrollment.

Waiting period: accidents

2 days for accident-related injuries, subject to state policy terms.

Waiting period: illnesses

14 days for illnesses, subject to state policy terms.

Waiting period: orthopedic conditions

180 days for cruciate-ligament and intervertebral-disc conditions, subject to state policy terms.

Pre-existing conditions

Generally excluded at first; eligible pre-existing conditions may be covered after 365 continuous days of coverage in participating states.

Hereditary and congenital conditions

Optional HereditaryPlus coverage may be available when the pet is enrolled before age 2, subject to state terms.

Dental

Treatment for a broken permanent tooth can be covered; routine cleaning requires an applicable wellness add-on.

Exam fees

Exam fees are not included in base accident-and-illness coverage; optional ExamPlus coverage may be available.

Prescriptions

Prescription medication for eligible covered conditions can be covered, subject to policy terms.

Preventive care

Optional Defender and DefenderPlus wellness plans reimburse eligible routine-care expenses.

Which vets

Use any licensed veterinarian in the United States or Canada.

Paying the vet

The policyholder pays the veterinarian first and then submits a claim for reimbursement.

Claims

Submit the claim through the customer portal or claim form with veterinary records within 180 days of treatment.

Renewal

Waiting periods do not restart on continuous renewal; benefits and premiums remain subject to renewal terms.

Where it's offered

Insurance products and optional coverages vary by state; confirm availability in the current quote and policy.