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: April 28, 2026
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 | 3.92 | 5 |
| Overall Score | 4.3 | 2 |
| Customer Experience | 4.37 | 3 |
| Coverage | 5 | 1 |
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
| Michigan | 3.9 | 4 |
| Utah | 4.05 | 4 |
| Virginia | 4.05 | 4 |
| Wisconsin | 4.05 | 3 |
| Georgia | 4.15 | 2 |
| Maryland | 4.15 | 2 |
| Massachusetts | 4.15 | 3 |
| Minnesota | 4.15 | 2 |
| New Jersey | 4.15 | 2 |
| Delaware | 4.2 | 2 |
| Idaho | 4.2 | 2 |
| Ohio | 4.2 | 2 |
| Alabama | 4.25 | 3 |
| Arizona | 4.25 | 2 |
| Iowa | 4.25 | 2 |
| Louisiana | 4.25 | 2 |
| Maine | 4.25 | 2 |
| Nevada | 4.25 | 2 |
| New Hampshire | 4.25 | 2 |
| Alaska | 4.3 | 2 |
| Colorado | 4.3 | 2 |
| Connecticut | 4.3 | 2 |
| Hawaii | 4.3 | 2 |
| Illinois | 4.3 | 3 |
| Kansas | 4.3 | 3 |
| Missouri | 4.3 | 2 |
| Nebraska | 4.3 | 2 |
| North Carolina | 4.3 | 2 |
| Oregon | 4.3 | 2 |
| Texas | 4.3 | 2 |
| California | 4.35 | 2 |
| Mississippi | 4.35 | 2 |
| New York | 4.35 | 2 |
| Pennsylvania | 4.35 | 2 |
| Tennessee | 4.35 | 2 |
| Vermont | 4.35 | 2 |
| West Virginia | 4.35 | 2 |
| Florida | 4.4 | 2 |
| Kentucky | 4.4 | 2 |
| Montana | 4.4 | 2 |
| Wyoming | 4.4 | 2 |
| Rhode Island | 4.45 | 2 |
| Arkansas | 4.5 | 1 |
| Indiana | 4.5 | 1 |
| New Mexico | 4.55 | 1 |
| North Dakota | 4.55 | 1 |
| South Carolina | 4.55 | 1 |
| South Dakota | 4.55 | 1 |
| Washington | 4.55 | 1 |
| Oklahoma | 4.6 | 1 |
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.
| Cat | $35 | $32 | $416 | $379 | 10% |
| Dog | $59 | $60 | $705 | $723 | 2% |
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
| Arkansas | $37 | $447 |
| North Dakota | $41 | $491 |
| Oklahoma | $44 | $524 |
| Alabama | $46 | $552 |
| Kentucky | $47 | $558 |
| South Dakota | $47 | $564 |
| New Mexico | $48 | $572 |
| Missouri | $48 | $577 |
| Montana | $48 | $579 |
| Rhode Island | $48 | $581 |
| Louisiana | $49 | $581 |
| Indiana | $49 | $591 |
| Mississippi | $50 | $594 |
| West Virginia | $50 | $598 |
| Iowa | $51 | $617 |
| Wyoming | $53 | $637 |
| Nebraska | $54 | $642 |
| North Carolina | $54 | $642 |
| Tennessee | $54 | $644 |
| Vermont | $54 | $644 |
| Kansas | $54 | $650 |
| South Carolina | $55 | $655 |
| Georgia | $56 | $666 |
| Ohio | $56 | $669 |
| Alaska | $58 | $688 |
| Hawaii | $59 | $702 |
| Pennsylvania | $60 | $714 |
| Idaho | $60 | $725 |
| Utah | $61 | $726 |
| Texas | $61 | $729 |
| Delaware | $61 | $730 |
| Nevada | $61 | $733 |
| Maryland | $62 | $748 |
| New York | $63 | $749 |
| Florida | $63 | $756 |
| Minnesota | $63 | $757 |
| Washington | $64 | $771 |
| Connecticut | $66 | $793 |
| Michigan | $67 | $804 |
| Virginia | $68 | $813 |
| Wisconsin | $68 | $817 |
| New Hampshire | $69 | $820 |
| New Jersey | $70 | $838 |
| Oregon | $72 | $858 |
| Illinois | $72 | $864 |
| California | $73 | $868 |
| Arizona | $73 | $870 |
| Maine | $73 | $869 |
| Colorado | $73 | $873 |
| Massachusetts | $80 | $957 |
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
| Small Mix (Under 20 pounds) | $25 | $292 |
| Small Mix (11-25) | $28 | $335 |
| Small Mix (0-20) | $29 | $342 |
| Small Mix (1-10 pounds) | $29 | $350 |
| Mixed breed Small (up to 20lbs when full grown) | $29 | $348 |
| Small Mix (10 and less pounds) | $30 | $362 |
| Mixed Breed Small (>10 lbs) | $30 | $359 |
| Mixed Breed Small (11-30 lbs) | $31 | $376 |
| Chihuahua | $31 | $375 |
| Domestic Shorthair | $32 | $381 |
| Bombay | $33 | $391 |
| British Longhair | $33 | $395 |
| Small Mix (11-30) | $33 | $396 |
| Russian Blue | $34 | $403 |
| Ragdoll | $34 | $404 |
| Small Mix (25 and less pounds) | $34 | $401 |
| Maltipoo | $34 | $409 |
| Siamese | $35 | $415 |
| Small Mix (22 pounds or less) | $35 | $419 |
| Morkie | $35 | $422 |
| Shih Tzu | $36 | $430 |
| Chinchilla | $36 | $432 |
| Devon Rex | $36 | $432 |
| Toy Mix (10 and less pounds) | $36 | $432 |
| Munchkin | $36 | $434 |
| Mixed Breed Medium (31-50 lbs) | $36 | $431 |
| Norwegian Forest cat | $36 | $438 |
| Cockapoo | $36 | $438 |
| Himalayan | $37 | $442 |
| Birman | $37 | $443 |
| Tonkinese | $37 | $443 |
| Bengal | $37 | $446 |
| Cavapoo | $37 | $448 |
| Snowshoe | $37 | $449 |
| Burmese | $38 | $452 |
| Miniature Poodle | $38 | $450 |
| Serengeti | $38 | $456 |
| Jack Russell Terrier | $38 | $456 |
| Medium Mix (20-55 pounds) | $38 | $462 |
| Cornish Rex | $38 | $460 |
| British Shorthair | $38 | $459 |
| Scottish Fold | $38 | $461 |
| Maltese | $39 | $464 |
| Puggle | $39 | $464 |
| Savannah | $39 | $467 |
| Toy Poodle | $39 | $464 |
| Havanese | $39 | $465 |
| Balinese | $39 | $469 |
| Yorkshire terrier | $39 | $471 |
| Cavachon | $39 | $471 |
| Schnoodle | $40 | $473 |
| Medium Mix (31-59 pounds) | $40 | $477 |
| Persian | $40 | $480 |
| Shiba Inu | $40 | $481 |
| Siberian | $40 | $482 |
| Medium Mix (26-50 pounds) | $40 | $485 |
| Medium Mix (20-70 pounds) | $41 | $485 |
| Medium Mix (31-50 pounds) | $41 | $486 |
| Sphynx | $41 | $487 |
| Australian Mist | $41 | $497 |
| Groodle | $41 | $495 |
| Australian Shepherd | $42 | $501 |
| Exotic Shorthair | $42 | $504 |
| Abyssinian | $42 | $505 |
| Coton De Tulear | $42 | $506 |
| Maine Coon | $42 | $509 |
| Lhasa Apso | $43 | $508 |
| Mixed Dog (21-50 pounds) | $43 | $513 |
| Dingo | $43 | $514 |
| Japanese Chin | $43 | $513 |
| Pomeranian | $43 | $513 |
| Dachshund | $43 | $514 |
| Papillon | $43 | $518 |
| Basenji | $44 | $521 |
| American Hairless Terrier | $44 | $520 |
| Miniature Pinscher | $44 | $526 |
| Large Mix (51-110 pounds) | $44 | $530 |
| Australian Silky Terrier | $44 | $529 |
| Japanese Spitz | $44 | $531 |
| Border Collie | $45 | $534 |
| Peruvian Hairless Dog | $45 | $534 |
| Australian Terrier | $45 | $536 |
| Miniature Dachshund | $45 | $535 |
| Fox Terrier | $45 | $537 |
| Border Terrier | $45 | $539 |
| English Toy Terrier | $45 | $539 |
| Shetland Sheepdog | $45 | $540 |
| American Eskimo | $45 | $542 |
| Goldendoodle | $46 | $551 |
| Labradoodle | $46 | $552 |
| Pekingese | $46 | $553 |
| West Highland White Terrier | $47 | $559 |
| Brussels Griffon | $47 | $559 |
| Husky | $47 | $559 |
| Welsh Springer Spaniel | $47 | $562 |
| Miniature Schnauzer | $47 | $562 |
| Bichon Frise | $47 | $564 |
| Norfolk Terrier | $47 | $564 |
| Miniature Fox Terrier | $47 | $567 |
| Australian Cattle Dog | $48 | $569 |
| English Foxhound | $48 | $568 |
| German Pinscher | $48 | $570 |
| Large Mix (51-100 pounds) | $48 | $572 |
| Norwich Terrier | $48 | $571 |
| Italian Greyhound | $48 | $571 |
| Large Mix (Over 70 pounds) | $48 | $576 |
| Finnish Lapphund | $48 | $575 |
| Giant Mix (111 pounds+) | $48 | $575 |
| Irish Terrier | $48 | $575 |
| Bearded Collie | $48 | $578 |
| Large Mix (61+ pounds) | $48 | $579 |
| Medium Mix (23-70 pounds) | $49 | $581 |
| Mixed Breed Large (51-90 lbs) | $49 | $579 |
| Wire Fox Terrier | $49 | $580 |
| Icelandic Sheepdog | $49 | $581 |
| Norwegian Elkhound | $49 | $582 |
| Petit Basset Griffon Vendeens | $49 | $584 |
| American Foxhound | $49 | $581 |
| Siberian Husky | $49 | $583 |
| Cairn Terrier | $49 | $584 |
| Large Mix (55-90 pounds) | $49 | $591 |
| Boston Terrier | $49 | $590 |
| Beagle | $50 | $596 |
| Whippet | $50 | $595 |
| Australian Kelpie | $50 | $597 |
| Welsh Corgi Cardigan | $50 | $603 |
| German Spitz | $51 | $605 |
| Field Spaniel | $51 | $611 |
| Standard Schnauzer | $51 | $613 |
| Cavalier King Charles Spaniel | $51 | $614 |
| Foxhound | $52 | $615 |
| Pembroke Welsh Corgi | $52 | $616 |
| Welsh Corgi Pembroke | $52 | $616 |
| Mixed Breed | $52 | $622 |
| Mixed Dog (51-90 pounds) | $52 | $616 |
| English Springer Spaniel | $52 | $626 |
| Welsh Terrier | $52 | $627 |
| Pug | $52 | $626 |
| Pointer | $52 | $627 |
| Giant Mix (110 pounds+) | $53 | $629 |
| Large Mix (60-109 pounds) | $53 | $629 |
| Medium Mix (26-59 pounds) | $53 | $629 |
| Small Mix (0-25) | $53 | $629 |
| Collie | $53 | $635 |
| Soft Coated Wheaten Terrier | $53 | $635 |
| Keeshond | $53 | $638 |
| German Shorthaired Pointer | $54 | $640 |
| Samoyed | $54 | $643 |
| Bracco Italiano | $54 | $646 |
| Smooth Collie | $54 | $647 |
| Mixed Dog (91 pounds+) | $54 | $649 |
| English Setter | $54 | $649 |
| Italian Spinone | $54 | $650 |
| Standard Poodle | $55 | $655 |
| Basset Fauve de Bretagne | $55 | $660 |
| Scottish Terrier | $56 | $666 |
| Belgian Shepherd Malinois | $56 | $669 |
| Giant Mix (100 pounds+) | $56 | $667 |
| Rough Collie | $56 | $673 |
| English Pointer | $56 | $674 |
| Harrier | $56 | $674 |
| Affenpinscher | $56 | $677 |
| Vizsla | $57 | $680 |
| Staffordshire Bull Terrier | $57 | $681 |
| Portuguese Water Dog | $58 | $692 |
| Alaskan Husky | $58 | $694 |
| Cocker spaniel | $58 | $696 |
| Irish Setter | $59 | $702 |
| Briard | $59 | $701 |
| Alaskan Malamute | $59 | $704 |
| German Shepherd | $59 | $704 |
| Labrador Retriever | $59 | $705 |
| Clumber Spaniel | $59 | $707 |
| Puli | $59 | $711 |
| Tibetan Terrier | $60 | $715 |
| Corgi | $61 | $724 |
| Airedale Terrier | $61 | $728 |
| Akita | $61 | $733 |
| Old English Sheepdog | $61 | $736 |
| Chow Chow | $62 | $742 |
| Golden Retriever | $62 | $745 |
| Saluki | $63 | $752 |
| Afghan Hound | $63 | $758 |
| Hungarian Vizsla | $64 | $761 |
| Dalmatian | $65 | $777 |
| Alsation | $65 | $777 |
| Miniature Bull Terrier | $65 | $780 |
| Rhodesian Ridgeback | $65 | $782 |
| Petit Basset Griffon Vendeen | $66 | $791 |
| Estrela Mountain Dog | $66 | $794 |
| Pitbull | $67 | $797 |
| Komondor | $67 | $803 |
| Alsatian | $68 | $814 |
| Bull Terrier | $69 | $821 |
| Basset Hound | $69 | $827 |
| American Staffordshire Terrier | $69 | $831 |
| Central Asian Shepherd Dog | $70 | $840 |
| Small Mix (20 and under pounds) | $70 | $843 |
| Greyhound | $71 | $845 |
| Lurcher | $71 | $845 |
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.
Multiple pets | 5% | Covers multiple pets under one policy; unavailable in some states |
Breeder | 10% | AKC Breeder of Merit or Bred with H.E.A.R.T. participants; use your program group code when enrolling |
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 Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.
Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.
He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.
Sources
- Better Business Bureau. "The American Kennel Club, Inc." Accessed May 8, 2026.
- Trustpilot. "AKC Pet Insurance." Accessed May 8, 2026.