AKC's pet insurance scores 3.85 out of 5 for cats and 4.3 for dogs in MoneyGeek's analysis. AKC excels in coverage but charges higher cat premiums than competitors. It requires a 14-day accident waiting period, matching most competitors.
AKC Pet Insurance Review
Updated: December 11, 2025
Advertising & Editorial Disclosure
AKC Pet Insurance Review: Key Takeaways
AKC's cat coverage starts at $35 monthly (ninth cheapest nationally), while dog coverage starts at $59 (fifth most affordable).
AKC ranks third nationally for customer experience, with strong Trustpilot and Better Business Bureau ratings.
AKC leads nationally in coverage with comprehensive accident and illness plans plus optional wellness coverage for preventive care and routine visits.
AKC Pet Insurance Ratings
Data filtered by:
Dog
| Affordability | 3.93 | 5 |
| Coverage | 5.00 | 1 |
| Customer Experience | 4.38 | 3 |
| Overall Score | 4.30 | 2 |
WHO IS AKC PET INSURANCE BEST FOR?
AKC pet insurance works best for owners who want flexible deductibles starting at $100 and unlimited payout limits. AKC won't work if you need immediate accident coverage. The 14-day waiting period means coverage doesn't start right away. Look elsewhere if you want hereditary conditions, alternative therapies or exam fees covered at no extra cost.
Learn more about the best pet insurance options for your pet:
AKC Pet Insurance Ratings by State
AKC provides the best pet insurance for dogs in eight states and ranks second in 34 states. For cats, AKC ranks second in one state and third in three states. The insurer ranks first for coverage nationwide and third for customer experience for both pets.
Data filtered by:
Overall Score
Dog
| Alabama | 4.25 | 3 |
| Alaska | 4.30 | 2 |
| Arizona | 4.25 | 2 |
| Arkansas | 4.50 | 1 |
| California | 4.35 | 2 |
| Colorado | 4.30 | 2 |
| Connecticut | 4.30 | 2 |
| Florida | 4.40 | 2 |
| Delaware | 4.20 | 2 |
| Georgia | 4.15 | 2 |
| Hawaii | 4.30 | 2 |
| Idaho | 4.20 | 2 |
| Illinois | 4.30 | 3 |
| Iowa | 4.25 | 2 |
| Indiana | 4.50 | 1 |
| Maryland | 4.15 | 2 |
| Massachusetts | 4.15 | 3 |
| Kansas | 4.30 | 3 |
| Kentucky | 4.40 | 2 |
| Louisiana | 4.25 | 2 |
| Maine | 4.25 | 2 |
| Michigan | 3.90 | 4 |
| Minnesota | 4.15 | 2 |
| Mississippi | 4.35 | 2 |
| Missouri | 4.30 | 2 |
| Montana | 4.40 | 2 |
| Nebraska | 4.30 | 2 |
| Nevada | 4.25 | 2 |
| New Hampshire | 4.25 | 2 |
| New Jersey | 4.15 | 2 |
| New Mexico | 4.55 | 1 |
| New York | 4.35 | 2 |
| North Carolina | 4.30 | 2 |
| Ohio | 4.20 | 2 |
| Oklahoma | 4.60 | 1 |
| North Dakota | 4.55 | 1 |
| Oregon | 4.30 | 2 |
| Pennsylvania | 4.35 | 2 |
| Rhode Island | 4.45 | 2 |
| South Carolina | 4.55 | 1 |
| South Dakota | 4.55 | 1 |
| Tennessee | 4.35 | 2 |
| Vermont | 4.35 | 2 |
| Texas | 4.30 | 2 |
| Utah | 4.05 | 4 |
| Virginia | 4.05 | 4 |
| Washington | 4.55 | 1 |
| West Virginia | 4.35 | 2 |
| Wisconsin | 4.05 | 3 |
| Wyoming | 4.40 | 2 |
AKC Pet Insurance Comparison
See how AKC stacks up against national competitors.
ASPCA | • Dogs: 4.30 vs. 3.85 • Cats: 3.85 vs. 3.35 | ASPCA costs less for dogs. AKC beats ASPCA on coverage and customer service for both pets. |
Embrace | • Dogs: 4.30 vs. 2.55 • Cats: 3.85 vs. 2.30 | AKC wins across affordability, coverage and customer service. |
Fetch | • Dogs: 4.30 vs. 2.70 • Cats: 3.85 vs. 2.95 | Fetch has decent coverage. AKC costs less with better customer experience. |
Figo | • Dogs: 4.30 vs. 3.60 • Cats: 3.85 vs. 3.80 | Figo costs slightly less for cats, while AKC leads in coverage and customer experience for both pets. |
Hartville | • Dogs: 4.30 vs. 3.50 • Cats: 3.85 vs. 3.90 | Hartville's cat coverage costs less. AKC has better dog and cat coverage with stronger customer experience. |
Lemonade | • Dogs: 4.30 vs. 4.50 • Cats: 3.85 vs. 4.25 | Lemonade scores higher overall with lower prices, but AKC's coverage is stronger for both pets. |
Liberty | • Dogs: 4.30 vs. 2.65 • Cats: 3.85 vs. 2.30 | AKC beats Liberty on affordability, coverage and service. |
• Dogs: 4.30 vs. 3.05 • Cats: 3.85 vs. 2.40 | AKC leads in affordability, coverage and customer experience. | |
Nationwide | • Dogs: 4.30 vs. 2.50 • Cats: 3.85 vs. 2.65 | Nationwide costs more, especially for cats. AKC has stronger coverage with better overall value. |
Pets Best | • Dogs: 4.30 vs. 4.05 • Cats: 3.85 vs. 3.80 | Pets Best has good affordability. AKC scores higher with stronger coverage. |
Pumpkin | • Dogs: 4.30 vs. 3.70 • Cats: 3.85 vs. 4.15 | Pumpkin costs less, especially for cats. AKC's coverage scores are stronger for both pets. |
Rainwalk | • Dogs: 4.30 vs. 4.05 • Cats: 3.85 vs. 3.95 | Rainwalk excels in customer service. AKC leads on coverage and costs less overall. |
Spot | • Dogs: 4.30 vs. 3.75 • Cats: 3.85 vs. 4.15 | Spot costs less with better customer service. AKC's coverage is stronger for both pets. |
How Much Does AKC Pet Insurance Cost?
AKC pet insurance costs an average of $59 monthly ($705 annually) for dogs and $35 monthly ($416 annually) for cats. Your premium varies by location and pet breed.
| Dog | $59 | $60 | $705 | $723 | 2% |
| Cat | $35 | $32 | $416 | $379 | 10% |
AKC Pet Insurance Rates by State
AKC pet insurance rates vary by state due to veterinary costs and local claim patterns. Cat coverage costs $22 monthly in Arkansas and $47 in Massachusetts. Dog coverage costs $37 monthly in Arkansas and $80 in Massachusetts.
Data filtered by:
Dog
| Alabama | $46 | $552 |
| Alaska | $58 | $688 |
| Arizona | $73 | $870 |
| Arkansas | $37 | $447 |
| California | $73 | $868 |
| Colorado | $73 | $873 |
| Connecticut | $66 | $793 |
| Delaware | $61 | $730 |
| Florida | $63 | $756 |
| Georgia | $56 | $666 |
| Hawaii | $59 | $702 |
| Idaho | $60 | $725 |
| Illinois | $72 | $864 |
| Indiana | $49 | $591 |
| Iowa | $51 | $617 |
| Kansas | $54 | $650 |
| Kentucky | $47 | $558 |
| Louisiana | $49 | $581 |
| Maine | $73 | $869 |
| Maryland | $62 | $748 |
| Massachusetts | $80 | $957 |
| Michigan | $67 | $804 |
| Minnesota | $63 | $757 |
| Mississippi | $50 | $594 |
| Missouri | $48 | $577 |
| Montana | $48 | $579 |
| Nebraska | $54 | $642 |
| Nevada | $61 | $733 |
| New Hampshire | $69 | $820 |
| New Jersey | $70 | $838 |
| New Mexico | $48 | $572 |
| New York | $63 | $749 |
| North Carolina | $54 | $642 |
| North Dakota | $41 | $491 |
| Ohio | $56 | $669 |
| Oklahoma | $44 | $524 |
| Oregon | $72 | $858 |
| Pennsylvania | $60 | $714 |
| Rhode Island | $48 | $581 |
| South Carolina | $55 | $655 |
| South Dakota | $47 | $564 |
| Tennessee | $54 | $644 |
| Texas | $61 | $729 |
| Utah | $61 | $726 |
| Vermont | $54 | $644 |
| Virginia | $68 | $813 |
| Washington | $64 | $771 |
| West Virginia | $50 | $598 |
| Wisconsin | $68 | $817 |
| Wyoming | $53 | $637 |
AKC Pet Insurance Rates by Breed
AKC pet insurance premiums vary by breed. Cat owners pay around $32 monthly for domestic shorthairs but $42 for Maine Coons. Dog premiums vary more: $25 for small mixed breeds under 20 pounds and $114 for Bullmastiffs. Breeds with more health problems cost more to insure.
Data filtered by:
Select
Select
| Abyssinian | $42 | $505 |
| Affenpinscher | $56 | $677 |
| Afghan Hound | $63 | $758 |
| Airedale Terrier | $61 | $728 |
| Akita | $61 | $733 |
| Alaskan Husky | $58 | $694 |
| Alaskan Malamute | $59 | $704 |
| Alsatian | $68 | $814 |
| Alsation | $65 | $777 |
| American Bulldog | $90 | $1,075 |
| American Bully | $78 | $937 |
| American Eskimo | $45 | $542 |
| American Foxhound | $49 | $581 |
| American Hairless Terrier | $44 | $520 |
| American Staffordshire Terrier | $69 | $831 |
| Australian Cattle Dog | $48 | $569 |
| Australian Kelpie | $50 | $597 |
| Australian Mist | $41 | $497 |
| Australian Shepherd | $42 | $501 |
| Australian Silky Terrier | $44 | $529 |
| Australian Terrier | $45 | $536 |
| Balinese | $39 | $469 |
| Basenji | $44 | $521 |
| Basset Fauve de Bretagne | $55 | $660 |
| Basset Hound | $69 | $827 |
| Beagle | $50 | $596 |
| Bearded Collie | $48 | $578 |
| Belgian Shepherd Malinois | $56 | $669 |
| Bengal | $37 | $446 |
| Bernese Mountain Dog | $110 | $1,318 |
| Bichon Frise | $47 | $564 |
| Birman | $37 | $443 |
| Bloodhound | $81 | $976 |
| Bombay | $33 | $391 |
| Border Collie | $45 | $534 |
| Border Terrier | $45 | $539 |
| Borzoi | $72 | $863 |
| Boston Terrier | $49 | $590 |
| Boxer | $82 | $981 |
| Bracco Italiano | $54 | $646 |
| Briard | $59 | $701 |
| British Bulldog | $101 | $1,209 |
| British Longhair | $33 | $395 |
| British Shorthair | $38 | $459 |
| Brussels Griffon | $47 | $559 |
| Bullmastiff | $111 | $1,336 |
| Bull Mastiff | $114 | $1,366 |
| Bull Terrier | $69 | $821 |
| Burmese | $38 | $452 |
| Cairn Terrier | $49 | $584 |
| Cane Corso | $91 | $1,085 |
| Caucasian Shepherd Dog | $79 | $940 |
| Cavachon | $39 | $471 |
| Cavalier King Charles Spaniel | $51 | $614 |
| Cavapoo | $37 | $448 |
| Central Asian Shepherd Dog | $70 | $840 |
| Chihuahua | $31 | $375 |
| Chinchilla | $36 | $432 |
| Chow Chow | $62 | $742 |
| Clumber Spaniel | $59 | $707 |
| Cockapoo | $36 | $438 |
| Cocker spaniel | $58 | $696 |
| Collie | $53 | $635 |
| Corgi | $61 | $724 |
| Cornish Rex | $38 | $460 |
| Coton De Tulear | $42 | $506 |
| Dachshund | $43 | $514 |
| Dalmatian | $65 | $777 |
| Devon Rex | $36 | $432 |
| Dingo | $43 | $514 |
| Doberman Pincher | $80 | $958 |
| Doberman Pinscher | $112 | $1,338 |
| Dogue de Bordeaux | $113 | $1,349 |
| Domestic Shorthair | $32 | $381 |
| English Bulldog | $104 | $1,242 |
| English Foxhound | $48 | $568 |
| English Mastiff | $104 | $1,241 |
| English Pointer | $56 | $674 |
| English Setter | $54 | $649 |
| English Springer Spaniel | $52 | $626 |
| English Toy Terrier | $45 | $539 |
| Estrela Mountain Dog | $66 | $794 |
| Exotic Shorthair | $42 | $504 |
| Field Spaniel | $51 | $611 |
| Finnish Lapphund | $48 | $575 |
| Foxhound | $52 | $615 |
| Fox Terrier | $45 | $537 |
| French Bulldog | $89 | $1,064 |
| German Pinscher | $48 | $570 |
| German Shepherd | $59 | $704 |
| German Shorthaired Pointer | $54 | $640 |
| German Spitz | $51 | $605 |
| Giant Mix (100 pounds+) | $56 | $667 |
| Giant Mix (110 pounds+) | $53 | $629 |
| Giant Mix (111 pounds+) | $48 | $575 |
| Giant Mix (90 pounds+) | $71 | $844 |
| Goldendoodle | $46 | $551 |
| Golden Retriever | $62 | $745 |
| Gordon Setter | $71 | $856 |
| Great Dane | $102 | $1,224 |
| Great Pyrenees | $71 | $852 |
| Greyhound | $71 | $845 |
| Groodle | $41 | $495 |
| Harrier | $56 | $674 |
| Havanese | $39 | $465 |
| Himalayan | $37 | $442 |
| Hungarian Vizsla | $64 | $761 |
| Husky | $47 | $559 |
| Icelandic Sheepdog | $49 | $581 |
| Irish Setter | $59 | $702 |
| Irish Terrier | $48 | $575 |
| Italian Greyhound | $48 | $571 |
| Italian Spinone | $54 | $650 |
| Jack Russell Terrier | $38 | $456 |
| Japanese Chin | $43 | $513 |
| Japanese Spitz | $44 | $531 |
| Kangal Shepherd Dog | $95 | $1,139 |
| Keeshond | $53 | $638 |
| Komondor | $67 | $803 |
| Labradoodle | $46 | $552 |
| Labrador Retriever | $59 | $705 |
| Large Mix (51-100 pounds) | $48 | $572 |
| Large Mix (51-110 pounds) | $44 | $530 |
| Large Mix (55-90 pounds) | $49 | $591 |
| Large Mix (60-109 pounds) | $53 | $629 |
| Large Mix (61+ pounds) | $48 | $579 |
| Large Mix (71+ pounds) | $88 | $1,055 |
| Large Mix (Over 70 pounds) | $48 | $576 |
| Lhasa Apso | $43 | $508 |
| Lurcher | $71 | $845 |
| Maine Coon | $42 | $509 |
| Maltese | $39 | $464 |
| Maltipoo | $34 | $409 |
| Medium Mix (20-55 pounds) | $38 | $462 |
| Medium Mix (20-70 pounds) | $41 | $485 |
| Medium Mix (21-70 pounds) | $91 | $1,093 |
| Medium Mix (23-70 pounds) | $49 | $581 |
| Medium Mix (26-50 pounds) | $40 | $485 |
| Medium Mix (26-59 pounds) | $53 | $629 |
| Medium Mix (31-50 pounds) | $41 | $486 |
| Medium Mix (31-59 pounds) | $40 | $477 |
| Miniature Bull Terrier | $65 | $780 |
| Miniature Dachshund | $45 | $535 |
| Miniature Fox Terrier | $47 | $567 |
| Miniature Pinscher | $44 | $526 |
| Miniature Poodle | $38 | $450 |
| Miniature Schnauzer | $47 | $562 |
| Mixed Breed | $52 | $622 |
| Mixed Breed Giant (>90 lbs) | $74 | $883 |
| Mixed Breed Large (51-90 lbs) | $49 | $579 |
| Mixed Breed Medium (31-50 lbs) | $36 | $431 |
| Mixed Breed Small (>10 lbs) | $30 | $359 |
| Mixed Breed Small (11-30 lbs) | $31 | $376 |
| Mixed breed Small (up to 20lbs when full grown) | $29 | $348 |
| Mixed Dog (21-50 pounds) | $43 | $513 |
| Mixed Dog (51-90 pounds) | $52 | $616 |
| Mixed Dog (91 pounds+) | $54 | $649 |
| Morkie | $35 | $422 |
| Munchkin | $36 | $434 |
| Newfoundland | $95 | $1,137 |
| Norfolk Terrier | $47 | $564 |
| Norwegian Elkhound | $49 | $582 |
| Norwegian Forest cat | $36 | $438 |
| Norwich Terrier | $48 | $571 |
| Olde English Bulldogge | $109 | $1,304 |
| Old English Buldogge | $92 | $1,104 |
| Old English Sheepdog | $61 | $736 |
| Papillon | $43 | $518 |
| Pekingese | $46 | $553 |
| Pembroke Welsh Corgi | $52 | $616 |
| Persian | $40 | $480 |
| Peruvian Hairless Dog | $45 | $534 |
| Petit Basset Griffon Vendeen | $66 | $791 |
| Petit Basset Griffon Vendeens | $49 | $584 |
| Pitbull | $67 | $797 |
| Pointer | $52 | $627 |
| Pomeranian | $43 | $513 |
| Portuguese Water Dog | $58 | $692 |
| Pug | $52 | $626 |
| Puggle | $39 | $464 |
| Puli | $59 | $711 |
| Ragdoll | $34 | $404 |
| Rhodesian Ridgeback | $65 | $782 |
| Rottweiler | $99 | $1,190 |
| Rough Collie | $56 | $673 |
| Russian Blue | $34 | $403 |
| Saint Bernard | $108 | $1,297 |
| Saluki | $63 | $752 |
| Samoyed | $54 | $643 |
| Savannah | $39 | $467 |
| Schnoodle | $40 | $473 |
| Scottish Deerhound | $87 | $1,041 |
| Scottish Fold | $38 | $461 |
| Scottish Terrier | $56 | $666 |
| Serengeti | $38 | $456 |
| Shar Pei | $88 | $1,056 |
| Shetland Sheepdog | $45 | $540 |
| Shiba Inu | $40 | $481 |
| Shih Tzu | $36 | $430 |
| Siamese | $35 | $415 |
Is AKC Pet Insurance Expensive?
AKC ranks ninth for cat affordability and fifth for dogs in our study, sitting in the midrange price category. Check the filterable table to see how costs change based on your pet's age and your preferred deductible, annual limit and reimbursement rate.
Data filtered by:
Dog
Middle Aged
$500
$5,000
80%
| $66 | $788 | 8% |
AKC Pet Insurance Discounts
AKC provides two pet insurance discounts. Save 5% when you insure multiple pets under one policy. AKC offers a 10% breeder discount for AKC Breeder of Merit or Bred with H.E.A.R.T. participants.
Breeder | 10% | AKC Breeder of Merit or Bred with H.E.A.R.T. participants; use your program group code when enrolling |
Multiple pets | 5% | Covers multiple pets under one policy; unavailable in some states |
AKC Pet Insurance Customer Service Reviews and Ratings
AKC ranks third nationally for customer experience for cats and dogs. AKC has an A+ Better Business Bureau (BBB) rating and mixed Trustpilot reviews. Reddit users praise AKC's support team and responsive service, though some report claim processing delays.
AKC Trustpilot Reviews
AKC has a 2.9 out of 5 Trustpilot rating from verified customers. Reviews show mixed experiences with AKC's service and claims handling.
AKC Better Business Bureau Rating
AKC has an A+ rating from the BBB but isn't accredited. The A+ grade is BBB's highest rating, based on ethical business practices and complaint resolution.
AKC Pet Insurance Reddit Sentiment
Reddit users recommend AKC pet insurance. Seven comments show 86% positive sentiment: six favorable reviews and one negative. Customers praise AKC's customer service and clear policy language. One complaint cited coverage gaps and claim approval delays. Most Reddit feedback is positive despite claim processing inconsistencies.
AKC Pet Insurance Coverage
Pet owners can customize AKC pet insurance policies for dogs and cats with different coverage levels and optional add-ons based on budget and pet health needs.
$100–1,000 (annual) | |
$2,500–20,000; unlimited option available in many states | |
70%, 80%, 90% (reimbursement); corresponding coinsurance of 30%, 20%, 10% | |
Coverage for accident-only plan | Accidental injuries such as fractures, toxic ingestion, bite wounds, surgery, hospitalization, diagnostics and prescription medications; no illness coverage |
Coverage for accident and illness plan | All accident benefits plus illnesses, diagnostics and imaging, prescriptions, hospitalization, surgery and specialty care; optional add-ons can expand coverage (behavioral, hereditary, breeding, exam fees, alternative care) |
Pre-existing conditions | Eligible after 365 consecutive days of coverage on accident and illness plans (availability varies by state) |
Bilateral conditions | If one side is pre-existing or during the waiting period, the opposite side may be excluded as bilateral |
Accidents: 2 days; Illnesses: 14 days; Cruciate/orthopedic: 180 days | |
Enrollment restrictions | No breed exclusions; no upper age limit noted; plan and add-on availability vary by state |
*Coverage varies by state and policy terms. Review your policy and consult your provider to understand the exact coverage terms, exclusions, limitations and waiting periods before enrollment.
AKC Pet Insurance Coverage Add-Ons
AKC offers several optional riders to tailor coverage to your pet’s needs. Add-ons are subject to state availability and may have separate limits or waiting periods.
Wellness (Defender/DefenderPlus) | Reimburses routine preventive care such as vaccinations, wellness exams and parasite prevention; DefenderPlus also includes spay/neuter or dental cleanings; not subject to deductible or coinsurance; benefit schedule applies |
HereditaryPlus | Adds coverage for congenital and hereditary conditions like hip dysplasia and luxating patella; must be added before age 2 |
Exam Fee Coverage (ExamPlus) | Reimburses exam fees at primary, emergency and specialty vets, even if no treatment is performed |
Breeding Coverage | Helps cover complications from breeding, pregnancy, whelping and nursing; excludes elective breeding services |
AlternativePlus | Covers eligible alternative and complementary therapies such as acupuncture and chiropractic, per policy terms |
Final Respects | Provides a fixed benefit toward cremation, burial and related end-of-life expenses (availability varies) |
Is AKC Pet Insurance Good: Bottom Line
AKC charges $59 monthly for dog coverage and $35 for cat coverage on average. The insurer ranks third nationally for customer experience despite mixed Trustpilot and BBB ratings. AKC offers accident-only and comprehensive accident and illness plans plus optional wellness add-ons.
Browse through our review guides for the top pet insurance companies for your pet:
AKC Pet Insurance Review: FAQ
Find answers to common questions about AKC pet insurance coverage below.
Is AKC pet insurance worth it in 2025?
Yes, especially for dog owners. AKC ranks first nationally for coverage and third for customer experience. Dog coverage averages $59 monthly, and cat coverage averages $35.
What do Reddit users really think about AKC pet insurance?
Reddit users rate AKC pet insurance positively: 86% positive sentiment across six favorable comments and one negative. Users praise AKC's customer service and clear policy terms. Concerns include coverage limitations for pre-existing conditions and claim processing delays.
Does AKC cover pre-existing conditions for pets?
AKC doesn't cover pre-existing conditions. Curable conditions can be covered if your pet stays symptom-free and treatment-free for 180 consecutive days. Chronic conditions and orthopedic issues like ligament or knee problems stay permanently excluded.
Can I get a discount for insuring multiple pets with AKC?
AKC gives a discount when you insure more than one pet on the same policy. The insurer also offers savings through AAA membership discounts, workplace benefit programs and other qualifying memberships.
Is AKC pet insurance available in my state?
Yes, AKC operates in all 50 states. Monthly premiums vary by location. Cat coverage ranges from $22 in Arkansas to $47 in Massachusetts. Dog insurance costs between $37 in Arkansas and $80 in Massachusetts. Arkansas offers the lowest rates for both pets.
How We Analyzed AKC Pet Insurance
Pet insurance shopping gets complicated with varying costs and coverage options. You need strong financial protection without excessive monthly premiums. Our methodology helps you evaluate AKC by weighing costs against customer satisfaction and coverage features.
Methodology Breakdown
We broke down AKC's performance into three core categories to determine its MoneyGeek score:
- Affordability (50%): MoneyGeek analyzed how AKC's premiums compare for different pet breeds, ages, and plan types. This score includes discounts to reflect actual costs.
- Customer experience (30%): We gathered customer reviews and ratings from Trustpilot and Reddit to assess user satisfaction with AKC's service.
- Coverage options (20%): We examined policy benefits, add-on coverage and AKC's coverage scope.
Pricing Analysis for Scannable Rates
To ensure our pricing data is consistent, we used standardized profiles for popular breeds: a 6-year-old Labrador Retriever and a 7-year-old Ragdoll.
We standardized the policy details for both profiles to allow for a direct cost comparison:
- Deductible: $500
- Annual limit: $5,000
- Reimbursement rate: 80%
This focused pricing approach allows you to quickly compare what you can expect to pay for common midrange coverage, empowering you to better budget for your pet's health care needs.
⭐⭐⭐⭐⭐ (5 stars) | Posted by CloudRunner22
Quick Claim Resolution & Great Local Agent
"Got rear-ended last month and honestly the whole process was so smooth. Filed the claim the next day and literally had everything sorted within two weeks. The adjuster actually called me back, answered my questions, and I got my settlement without any drama. My agent Scott is the best. He takes time to explain stuff so I actually understand my coverage. Seriously recommend them if you want someone who actually cares."
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Better Business Bureau. "The American Kennel Club, Inc." Accessed December 15, 2025.
- Trustpilot. "AKC Pet Insurance." Accessed December 15, 2025.