In the realm of pet care, the American Kennel Club (AKC) has extended its legacy to offer insurance and wellness products tailored for both purebred and mixed breed dogs, as well as cats. As we delve into the AKC Pet Insurance 2024 review, we'll explore the intricacies of coverage, the extent of protection offered, and the associated costs. Whether you're a long-time member of the AKC community or a pet owner exploring insurance options, this comprehensive guide aims to provide insights into what AKC pet insurance covers, the diverse coverage options available, and how it stacks up against competitors in the market.
What AKC Pet Insurance Covers
AKC's insurance plans encompass a wide array of benefits aimed at safeguarding the health and well-being of your furry companions. Here's a breakdown of what AKC pet insurance covers:- Treatments, surgeries, and medications for ailments ranging from allergies to cancer.
- X-rays, MRI scans, and other diagnostic tests.
- Coverage for pre-existing conditions after a 12-month waiting period (in most states).
- Prescription medications.
- Hospitalization.
- Lab tests.
- Emergency treatment.
- Alternative treatments and coverage for behavioral issues in some states.
Additional Coverage Options:
With a CompanionCare policy, pet owners can customize their coverage by adding extra benefits according to their pet's specific needs. These may include:
- Hereditary and congenital coverage (available for pets under 2) for chronic conditions like hip dysplasia and diabetes.
- Veterinary exam coverage for conditions your base policy covers.
- Breeding coverage for issues related to pregnancy and whelping.
- Final expenses coverage for burial and memorials.
Coverage Options
AKC Coverage Options
- Deductibles: Annual deductibles range from $100 to $1,000 for the CompanionCare plan.
- Reimbursement Amounts: Choose to be reimbursed for 70%, 80%, or 90% of vet care costs.
- Coverage Limits: Annual coverage limits range from $2,500 to $20,000, with an unlimited option available.
Basic Version of CompanionCare:
As an alternative to a customizable plan, AKC offers a "basic" version of CompanionCare. This plan has fixed terms, including a per-incident limit that caps the amount you can receive for a single injury or illness.Defender and DefenderPlus Wellness Plans:
The Defender wellness add-on includes microchipping, deworming, heartworm, flea and tick prevention, preventive screenings, vaccination, and wellness exam fees. DefenderPlus, the upgraded version, also covers spaying, neutering, and teeth cleaning.Average Cost of AKC Pet Insurance
Understanding the cost of AKC pet insurance is essential for pet owners looking to budget effectively. The average monthly cost for AKC's base plan is $19.41 for a 2-year-old mixed breed dog and $11.61 for a 2-year-old cat in Colorado. However, customization options for deductibles, reimbursement rates, and annual limits can impact these costs. It's important to note that AKC charges a $3 monthly transaction fee for every payment, which is waived if you pay annually.Discounts and Deals
AKC offers several discounts to pet owners:- 5% multi-pet discount
- 5% discount for dogs who pass the AKC Canine Good Citizen test
- 10% discount for breeders participating in various AKC merit programs
AKC vs. Competitors
AKC vs. Lemonade:
| Coverage Options | AKC | Lemonade |
|---|---|---|
| Deductible | $100 to $1,000 per year | $100 to $750 per year |
| Reimbursement | 70%, 80% or 90% | 70%, 80% or 90% |
| Annual Limit | $2,500 to unlimited | $5,000 to $100,000 per year |
AKC vs. Nationwide Pet Insurance:
| Coverage Options | AKC | Nationwide |
|---|---|---|
| Deductible | $100 to $1,000 per year | $250 per year |
| Reimbursement | 70%, 80% or 90% | 50% or 70% |
| Annual Limit | $2,500 to unlimited | $10,000 per year |
AKC vs. Embrace:
| Coverage Options | AKC | Embrace |
|---|---|---|
| Deductible | $100 to $1,000 per year | $100 to $1,000 per year |
| Reimbursement | 70%, 80% or 90% | 70%, 80% or 90% |
| Annual Limit | $2,500 to unlimited | $5,000 to unlimited |
As pet owners navigate the options available in the market, this comprehensive comparison aims to provide insights into how AKC pet insurance stands against key competitors, ensuring informed decisions for the well-being of your beloved pets.