AKC Pet Insurance
CompanionCare
Accident & illness coverage with optional riders — and coverage for pre-existing conditions (curable and incurable) after a year of continuous coverage.
$$ Mid-rangeAccident & illness
- Reimburses
- 70/80/90%
- Annual limit
- $20,000
- Deductible
- Annual
- Exam fees
- Add-on
- Accident wait
- 2 days
- Illness wait
- 14 days
- Deductible
- Annual deductible per pet, from $100 to $1,000.
- Annual limit
- Annual limits from $2,500 to $20,000.
- Exam fees
- Exam fees need the optional ExamPlus rider.
- Dental
- Only extractions of permanent teeth broken in an accident; cleanings via the Defender riders.
- Alternative therapy
- Alternative and complementary therapies and behavioral treatment are an optional rider; hydrotherapy and physical therapy are in the base plan.
- Wellness
- Optional Defender/DefenderPlus wellness riders (exams, vaccines, cleanings).
- Waiting periods
- Accidents 2 days, illness 14 days, orthopedic/cruciate 6 mo. 180 days for cruciate ligament conditions and IVDD.
- Cured pre-existing conditions
- Pre-existing conditions — curable and incurable — may become eligible after 365 days of continuous coverage.
- Eligibility
- No maximum enrollment age. Sold in every state.
- Multi-pet discount
- 5% (not available in AK, FL, TN or WA)
- Underwriter
- Independence American Insurance Company or Independence Pet Insurance Company
Good to know
- •Pre-existing conditions (even incurable ones) can become eligible after 12 months
- •Hydrotherapy and physical therapy included
- •Riders for exams, hereditary conditions and wellness
Watch out for
- !Exam fees and hereditary conditions need paid riders
- !Dental limited to accidental broken teeth
- !Annual limit tops out at $20,000
- !Policy form IAIC PPI AI POL 006 1217 — check your state's current version