Pet Insurance

Insure your pet for peace of mind

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Buying pet health insurance is not only a means of helping your pet get proper medical treatment for serious illness or injury, but also a way to protect yourself financially. The steep costs of veterinary procedures often come at a time when you're emotionally vulnerable due to a pet's illness; at times like these, you're most likely to spend more than you can afford.

Considering the Benefits for Pet Insurance

Until recently, buying pet insurance was considered a luxury. However, with more empty-nesters and childless couples adopting pets, the status of the family pet has been elevated greatly. Factor in that procedures and technologies that were previously unheard of or only for humans are now available for your pet, and the increase in pet health spending begins to make sense.

A few of the procedures and exams available to pet owners today include:

  • Radiation therapy
  • Kidney transplants
  • MRIs

A few short years ago, a pet requiring a kidney transplant wouldn't have the option. However, the availability of this surgery may cause pet owners to go into debt rather than risk losing the family pet. Having pet medical insurance makes a lot of sense in this instance; having a pet insurance plan can reduce financial risk while allowing the pet to still get potentially life-saving treatments.

Choosing Pet Insurance

Pet insurance is growing in popularity, so with a little research you should be able to find everything from cheap pet insurance that covers the basics to VIP pet insurance with coverage against any eventuality including hereditary conditions. Costs go up with the type of pet, its age and how comprehensive the coverage is. Make sure you compare plans and choose one that makes sense for you and your budget.

Maintaining Pet Health

While there is a case to be made for purchasing vet pet insurance, taking care of your pet's basic health needs can greatly reduce the need for medical interventions down the road. Crucial factors to your pet's health include:

  • Buying quality pet food
  • Keeping pets indoors
  • Giving pets plenty of exercise
  • Keeping food portions under control

Removing every element of risk is impossible, but following the above steps will give your pet a healthy foundation that will greatly increase its quality of life. It's up to you to determine whether additional pet insurance is a good investment based on your particular animal and its needs.

Posted by ogfhysans on January 17,2012 at 04:54 AM
Posted by Justice on January 14,2012 at 03:25 PM
This is both street smart and itenlliegnt.
Posted by My AKC Experience on August 22,2011 at 11:10 PM
The AKC only provides you with the impression of insurance coverage. When you truly need this insurance as what happened to me, AKC excludes and denies coverage. This insurance is good to get the teeth cleaned with the wellness plan. Now I ask the $1,000's you pay in an annual premium you could have paid for the teeth cleaning at least twice. So for years I thought I had respectable insurance with the AKC and really I had the “Illusion” of coverage. I cancelled my coverage with the horrible provider and moved to an excellent one. They lost claims, denied claims, hideous customer service just to name a few. Then they would find a clause which got them out of paying the claims. Read the fine print – watch for “annual maximum” “per-incident” “hereditary conditions” “genetic conditions” and of course “arthritis” – AKC does not pay for these illnesses. See what I mean — they offer the illusion because some medical claim most likely will fall into these categories and be denied as is what happened to me and my beloved pet. Many OTHER providers do not have the “illusion” and offer creditable coverage for the same price! BEWARE OF THE AKC PET INSURANCE
Posted by Colleen on February 24,2011 at 10:11 PM
The AKC offered no peace of mind. Not even close -- Trust them? Never again for me! I had the AKC insurance — it was terrible — the entire AKC company from the employee who answers the phone, to the claim processor, to the actual “quality” of the policy. The AKC has many areas that allow them not to pay the claims, they don’t cover arthritis, diabeties, heriditiary, genetic conditions. They have annual maximums and per incident maximum as well. I have cancelled with them and now with a reputable provider who does cover all of what I indicated the AKC does not for LESS money they I paid with the AKC Wellness Plan. Watch out for the AKC coverage because in the end when you need the insurance — clearly the AKC is not there as my experience was and I incurred thousands of dollars of expense not to mention the enourmous premium I paid to the AKC
Posted by Chloe's Mom on November 01,2010 at 08:42 PM
I purchased this AKC Pet insurance for our puppy. The Wellness Plus Plan inclusive of spay and neuter. With the name AKC being associated with it, I thought how could I go wrong? I went way off the beaten path by patronizing the AKC Pet Partners Insurance and falling for the AKC backing! Chloe needed a simple diagnostic test -- under $100.00 for giarda. I had satisfied my deductible -- the AKC denied the claim. I have other policies with them; it seems to be the AKC way. They even denied hospitalizations and diagonostics for our poor pup who was FULLY covered with this so called AKC Petpartners Insurance. Who needs insurance like this? Clearly based off my experiences with the AKC -- you have absolutely NOTHING if you have them as your insurance provider. I would NEVER recommend them to anyone and have since taken my insurance needs elsewhere and am so HAPPY that I did. The new provider does not have the AKC gimmicks and loop holes -- even pay claims and have true animal lovers helping you and answering your questions. I repeatedly received deplorable customer service from the AKC experienced tons of disorganization with lost claims and faxes. AKC claimed to have never been received -- yet I have the proof they were. Please check out other options or self fund -- you would be wiser to do that then get involved with this insurance based off my experiences.
Posted by Dawn on March 25,2013 at 01:03 AM
Chloe's Mom, I have the same Insurance that you are talking about for my puppy, she is only 8 mo. old. I don't want that to happen to me so I know I will be CANCELLING it ASAP!!!!! Could you please recommend a good Insurance provider for my puppy Emma :) Thank You,
Posted by Joan on January 31,2011 at 10:12 PM
My daughter had this insurance with the AKC. The AKC only gives the illusion of insurance coverage for your pet. When you actually need the insurance -- you have been paying for the illusion of coverage when factual the AKC has so many exclusions and limitations - it is nuts! The AKC only provided my daughter small reimbursement for MINOR issues. When she needed it for a major claim they did not pay. She moved to a different provider and is happy with the claim processing, the great customer service and experience of the staff. She now sleeps better knowing today since she had to use her new provider that she actually NOW has creditable coverage now that she is NO LONGER insured with this horrible provider known as the AKC Pet Healthcare Insurance.
Posted by DeJay on October 26,2010 at 12:36 PM
My experience is they even denied euthanasia for my beloved pet, I am filing with my State Insurance Department - I had the AKC WELLNESS PLAN and it is USELESS in every way. You think you have good coverage EXCEPT the AKC has a HUGE LOOP HOLE that puts everything as ONE INCIDENT and then they DENY the claim- even when they have separate illnesses listed on the EOB they PREPARED and clearly they are not the same incident. USELESS has been my experience as well as heart break with the AKC PET INSURANCE. STAY AWAY if you truly want to have your pet insured. Many other providers with excellent COVERAGE -- like Embrace!
Posted by patricia clegg on October 21,2010 at 06:53 PM
i need to find a insurance that covers preexsisting conditions.
Posted by janice on October 29,2010 at 08:10 PM
I saw an advertisement for Pet Assure for $5.99 per month it only covers 25% of all pet bills the phone no is 888-789-7387 check with the BBB and rip off to see about complaints.
Posted by NIDIA SEIBERT on September 03,2010 at 12:06 PM
I have GOPETPLAN and its the best I have all my pets on thier pet insurance and I have had many claims and they pay them fast , They have wonderful customer service , they are sweet and answer all your questions, claims are done in a fast manner.. I did alot of research before deciding on GOPET PLAN and I am so glad I chose them, I have 4 cats and one dog and I am telling every one this is the plan to go with.. They take care of of all your needs for a very reasonable price and you get a discount for muliple pets... Just had to tell everyone after 4 weeks of doing intense homework on all these pet plans THEY ARE THE ONE TO GO FOR!!!! :) THANK YOU FOR BEING YOU and making my pets get better.... Without your pet insurance I wouldnt of been able to afford the care they get....
Posted by R Spradley on January 07,2011 at 02:08 AM
How much is this insurance costing you? I have a shish tzu, whom I love dearly. I take for regular check-ups. Good nutrition, exercise, excellent health condition. Thanking you in advance for your adivice:
Posted by PDolla9 on July 17,2010 at 12:00 AM
Where can I find pet liability insurance for a low cost for a pitbull mix dog. I need a coverage of $500,000 policy by Monday 7/19/2010. Please be of some assistance.
Posted by Eldon Walker on November 16,2010 at 01:44 PM
Have sweet pit bull, non aggressive to humans, well trained ( dog whisperer methods) kept inside a 6 foot solid wood fence. I am not afraid the dog will ever get out, or hurt anyone if he did. I am interested in liability policy to satisfy the owner of my rent house. Need to know who offers such policies. Thanks
Posted by Denise Falkner on May 21,2010 at 11:00 AM
I have an 11 week old cockapoo puppy. She was born March 8, 2010. I had her for 3 weeks in the first week she had a siezure. I took her to the vet and he said that he thinks it was something she got into. We took her for her second set of shots and when we were pulling out of the parking lot she had another seizure. The vet witnessed the seizure, and says to feed her just three times a day and watch her and gave us a list of several senarios. Can we purchase insurance now for this puppy, or will anthying due to seizures be excluded
Posted by DeJay on October 26,2010 at 12:52 PM
Stay away from the AKC Pet Insurance. My experience is they even denied euthanasia for my beloved pet, I am filing with my State Insurance Department - I had the AKC WELLNESS PLAN and it is USELESS in every way. You think you have good coverage EXCEPT the AKC has a HUGE LOOP HOLE that puts everything as ONE INCIDENT and then they DENY the claim- even when they have separate illnesses listed on the EOB they PREPARED and clearly they are not the same incident. USELESS has been my experience as well as heart break with the AKC PET INSURANCE. STAY AWAY if you truly want to have your pet insured. Many other providers with excellent COVERAGE -- like Embrace! Do to the horrible experience I had with the AKC Pet Insurance I really checked out many. Embrace offered me a medical review so I know just what exactly will be an issue if any. They did this promptly and I know EXACTLY what to expect. The customer service was awesome and friendly -- what a concept. Additionally you can customize the plan as YOU like. I would suggest checking out Embrace, as horrible of an experience the AKC Pet Insurance has been is as WONDERFUL as Embrace is. To bad I did not realize this to start. I got sucked into the AKC name -- what a disgrace to associate the AKC with this so called insurace.
Posted by SHONNA HARRIS on April 21,2010 at 12:15 AM
I want to know can you help me. I need pet liability insurance for my 2 pitbulls. If you can refer me to someone that will help.
Posted by Louise Demers on March 20,2010 at 09:36 AM
Please cancel my insurance plan for Cuddles, Muffin and Pee Wee immediately as what I was covered for is not at all what I had understood.
Posted by Carolyn Meeks on March 12,2010 at 01:58 AM
I got my little Marlee from operation kindness about 6 mo.'s ago and at that time my husband was in a rest home. She has been a joy for me and she has helped me with loosing my husband in Dec. She just turned 1yr. old and I was wondering if I could get pet insurance from you. I am living on a very limited income and I would like to get some insurance to cover her Vet. care. She hasn't been sick, and she is up to date on all her shots and has been spayed. She is the love of my life and would be broken hearted if something happened to her or she needed something I couldn't get her. Like I said I live off of my SSI and don't have any other income to rely on. What kind of protection can you offer me for her.
Posted by vincent ercolano on February 18,2010 at 08:25 AM
I recently put in a claim to 24 PetWatch for a cervical disc injury for my pet totalling approx. $ 700.00 I filled out the claim forms and sent them in, now they say they require all history, any doctor's notes and adoption papers for my pet, which I have done to the best of my ability, they are still not satisfied with what I have sent them. I have been paying premiums to this company for about 2 years and have never made any claims before this. Is it normal for pet ins. co. to require so much additional information besides the claim forms? I feel I am getting the run around from this company. Do you have any reviews/information on 24 Pet Watch?
Posted by Susan on October 07,2010 at 10:18 AM
I use to work with this company and I am seriously thinking about starting a pet insurance advocacy consulting company for just this. Where do people go when their claims are being denied? There is no one out there to protect the rights of the consumer for pet insurance that I am aware of and I know the industry's ins and outs so send me an email and I will try to see what I can do with your contact information. No promises.
Posted by rogerpower on October 06,2009 at 11:01 AM
Please send me information so I can get my dog Ben, a miniture schnauzer, born in april 2007 pet insurance.
Posted by Gary Bastie on August 19,2009 at 08:40 PM
I need pet insurance for my association, can you help?
Posted by Wendee on August 20,2009 at 02:44 PM
I suggest looking into PurinaCare, I just finished an article comparing a few companies and really like that one. You should also check out PetPlan. :D
Posted by Debra Collier on July 31,2009 at 01:06 PM
Hi my dog Sadie has seasonal allergies and went through a bout with fleas. Thanks to my lovely ex neighbors. I'm on SSI and have a negative balance every month. Sadie is do for her shots and may need a antibiartic. Could you please let me know if I can get some Aid for her. Thank you Debra Collier
Posted by janice on October 29,2010 at 08:02 PM
I saw an advertisement for pet assure it only pay 25% of the vets dog bill they don't ask any questions of pre existing conditions or age of the dog it costs $ 5.99 per month phone no is 888-789-7387 check it out with the BBB and rip off report first I never used this insurance.
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