How to File a AKC Pet Insurance
Pet Insurance Claim

📋 How to File a AKC Pet Insurance Claim

1. Log in to the AKC Pet Cloud app or customer portal at akcpetinsurance.com/portal
2. Submit your claim with a completed claim form, itemized veterinary invoice, and medical records
3. Alternatively, submit by email, fax, or mail
4. Claims must be filed within 180 days of the date of treatment
5. Most claims are processed within 3 to 7 business days
6. Reimbursement by check or direct deposit

⚠️ Common Reasons AKC Pet Insurance Denies Claims

• Pre-existing conditions including hereditary and congenital conditions not covered by the HereditaryPlus add-on
• Knee and cruciate ligament injuries have a 180-day waiting period, the most common surprise denial
• Exam fees are not covered unless you add the ExamPlus add-on
• Dental illness requires a separate add-on
• Treatments during the 2-day accident or 14-day illness waiting period
• Pets age 9 and older are only eligible for the accident-only plan

💡 Tips for a Successful AKC Pet Insurance Claim

• AKC is one of the few insurers that may cover previously pre-existing conditions after 365 days of continuous enrollment, ask AKC about this before enrolling
• Add HereditaryPlus if you have a breed prone to genetic conditions, without it, hereditary conditions are excluded
• Add ExamPlus to cover office visit fees, which are not included in the base plan
• Submit claims through the app for fastest processing, some users report reimbursement within 48 hours
• AKC breeders get a 10% discount; all customers get a 5% multi-pet discount