Pets have always been considered part of the family, and when you're part of the family, you also need to be covered by insurance. Pet insurance is widely accepted today and offered by many insurance providers.
Pet insurance often covers illnesses and injuries for pets like cats and dogs. Several plans cover these issues while also allowing pet owners to afford them. If you want to find the best pet insurance, you might want to check out AKC Pet Insurance.
AKC Pet Insurance offers some of the best pet coverage and plans. Check out the article below to learn how to obtain AKC Pet Insurance for your pet easily.
Check Out the Available AKC Pet Insurance Plans
AKC Pet Insurance offers many plans for those who want to avail their offer. This offer ensures your dogs and cats’ protection regardless of their breed.
It mostly covers standard accidents and illnesses. The coverage also includes routine lab tests, hospitalizations, medication, surgeries, cancer treatment, and even euthanasia.
You can even avail of a plan that offers coverage for pre-existing conditions, whether it is curable or not with the plan. All you need to do is to undergo the testing and wait for a year to be approved.
The basic plans offer a deductible of $100, $250, $300, $400, and $500 up to $1,000. The basic plan has unlimited coverage but will only cover $500 per incident.
Additional Coverage Options
There are also additional coverage options for those who want more protection for their beloved pets.
These include AlternativePlus, which adds enhanced accident and illness coverage for pets and helps reimburse the cost of veterinary exams. At the same time, HereditaryPlus is an add-on that protects your pet from congenital conditions such as diabetes, arthritis, heart disease, and many other hereditary disorders.
Breeding Coverage is for various breeding issues such as c-sections, eclampsia, gestational diabetes, and many other issues during pregnancy and birth. The SupportPlus Final Respects Coverage covers cremation and memorial rights for those who want to say goodbye to their beloved pets.
What the AKC Pet Insurance Does Not Cover
While there are a lot of plans that cover different issues for your pet, there are certain exemptions that you should know. Any congenital conditions that develop when you buy your policy after your pet turns two will not be covered.
The insurance policy does not cover any procedures, such as tail docking and ear clipping. Injuries that are intentional and caused by the owner or other parties will also not be covered. Issues arising during pregnancy are also not covered unless you add the Breeding Coverage to protect your pet.
Any kind of diet or pet food, unless prescribed by the vet, will not be included. The policy does not cover dental treatment for gingivitis and periodontal disease.
Things You Need to Know Before You Purchase an AKC Pet Insurance
You need to know certain things before you apply and purchase AKC Pet Insurance for your fur friends.
You should know these points so you can choose the perfect policy and add-on for your beloved pet. Check them out below.
Coverage Limits
There are certain coverage limits that you should always know. Take note of them always so you won't have to argue with them when you make the claim.
The incident limit for the basic plan is only $500 which will not go far if your pet needs surgery or if they have a chronic condition.
It is best to have an add-on like the Defender or DefenderPlus wellness plans for preventive care.
Age Restrictions
The minimum age of your pet dog can be covered is 8 weeks, and 10 weeks is for cats.
Pets added to the insurance policy at the age of 2 or above will not be covered especially with congenital or hereditary conditions, unless you pay for an add-on.
For anyone who plans to add their elderly pet, especially if they are over 9, you should know that they are already ineligible for accident and illness coverage. They can only be enrolled in the accident-only plan.
Take Note of the Waiting Periods
There is a waiting period between when you purchased the policy and when it takes effect.
AKC Pet Insurance has a 12-month waiting period for those who have pre-existing conditions.
Other injuries will also have a 2-day waiting period, and many other illnesses will have a 14-day waiting period. For those who have purchased the add-ons for congenital conditions and breeding, the waiting period is 30 days.
How to Apply for the AKC Pet Insurance
To apply for AKC Pet Insurance, you must get a quotation from the official website. Ensure you are prepared to provide all the details of your pet including the breed, age, sex, species, and its proper name.
Owners must provide their zip code as pet insurance companies need to calculate the premium. You will then be asked if your pet has several diseases, such as diabetes, FELV/FIV, Cushing's Disease, and many others.
Once the quotation is available, you can customize your plan and choose which add-ons you want to avail yourself of. You receive a 5% discount if you add another pet to your plan.
Before you check out, you must choose between monthly or annual payments. Take note that monthly payments will have a $3 service fee, while annual payments don't have any.
How to File a Claim
AKF Pet Insurance will ask its policyholders to pay for the entire expenses in full upfront before they apply for reimbursement.
To file a claim, you can go through the AKC Pet Insurance Customer portal at the official website or send your claims via email through claims@petpartners.com.
You can also send them through the mail using the address PetPartners, Inc., PO Box 37940, Raleigh, North Carolina, 27627.
Conclusion
Your pet dog or cat deserves all the love in this world. They also deserve to live a long and healthy life alongside you. Whenever medical issues or life-threatening emergencies come your way, having pet insurance like AKC Pet Insurance can make a difference in your expenses and your beloved pet's life. Apply for one today and ensure your pet's lives are cared for.
