How Do I Decide Which Plan to Purchase?

The AKC Pet Healthcare Plan offers several plan options to meet your particular needs.

Consider the maximum coverage amounts per incident and over the lifetime of your plan. Each plan has its own maximum coverage amount. You may want to pay a higher premium for more extensive coverage. Ask yourself these questions:

Do you want pet insurance primarily to guard against major problems and catastrophes (Choose from our Essential Plans). Would you also like coverage for preventive care? (Choose from our Wellness Plans)
What do you currently spend on veterinary care? Evaluate how the various plans might have helped you in the past year.

Look at your veterinary receipts for the past year. If you have not kept your receipts, you can ask your veterinarian's office to provide you with this information.
Next, determine what would probably be covered under the AKC Pet Healthcare Plan you are considering. Remember:

Do you intend to spay or neuter your pet? The Wellness Plus Plan covers this operation as an elective procedure.
Is it time for a dental cleaning? The Wellness plans cover this service.
Consider all the costs of prevention and routine care.

View a comparison of our plan features here

Essential Plan

The Essential Plan provides excellent entry level coverage for unexpected incidents - accidents, injuries and illnesses. Its $125 deductible applies to each incident. Its co-insurance is just 10%, however it does not provide wellness coverage. View a comparison of our plan features here

Essential Plus Plan

The Essential Plus Plan provides superior coverage for the same kind of unexpected incidents that the Essential Plan does. It also features a one-time $125 annual deductible, with 20% co-insurance payments of allowable charges afterward. The per-incident maximum is double that of the Essential Plan, but it does not provide wellness coverage. View a comparison of our plan features here

Wellness Plan

The Wellness Plan provides even higher coverage for unexpected accidents, injuries and illnesses, along with coverage for preventive and wellness care. It features a $125 annual deductible, with 20% co-insurance payments afterward. View a comparison of our plan features here

Wellness Plus

The Wellness Plus Plan provides the addition of spay and neuter coverage. in addition to all of the Wellness Plan benefits. View a comparison of our plan features here

Plan Differences

Essential Plus vs. Essential
- Essential Plus covers $1,500 more per incident ($3000 per incident, Double the coverage).
- The Essential Plus deductible is $125 for the year, where the Essential deductible is $125 per incident.
- Essential Plus includes a 20% co-insurance payment after your annual deductible is satisfied. The Essential Plan has a 10% co-insurance payment.
- The Essential Plus costs only a few dollars more each month than Essential.
Wellness vs. Essential
- Wellness covers $3,500 more per incident.
- Wellness covers $2,000 more for the policy term.
- The Wellness deductible is $125 for the year, where The Essential deductible is $125 per incident.
- Wellness includes a 20% co-insurance after your deductible is satisfied. Essential has a 10% co-insurance.
- Wellness covers the following costs that Essential does not: annual physical exam, vaccinations and boosters, heartworm testing and prevention, annual parasite and de-worming control, flea and tick prevention and an annual dental cleaning.
- The Wellness premium costs more per month,
Wellness vs. Essential Plus
- Wellness covers $1,500 more per incident.
- Wellness covers $2,000 more over the policy term.
- Wellness and Essential have the same deductible and co-insurance payment policies.

Wellness Plus vs. Wellness
- Wellness Plus provides all of the coverage of Wellness with the addition of spay or neuter coverage