AKC Pet Insurance
Founded in 2003. Available in 50 states. BBB rating: A. AM Best: A-.
Pricing by dog size
Monthly premium ranges for typical dogs. Actual pricing varies by breed, age, and ZIP code.
Small dogs
< 25 lbs
$22–$48/mo
Young dog
$38–$70/mo
Senior
Medium dogs
25–60 lbs
$30–$62/mo
Young dog
Large dogs
> 60 lbs
$40–$82/mo
Young dog
$58–$120/mo
Senior
Brachycephalic breeds
Bulldogs, Pugs, French Bulldogs, etc.
$48–$95/mo
Plan options
Coverage details
What AKC covers, and what costs extra or isn't included.
Waiting periods
Enrollment requirements
Pros and cons
Strengths
- ✓ Breed-specific expertise from AKC partnership
- ✓ Low starting annual limit ($2500) for budget plans
- ✓ Hereditary and congenital conditions covered
- ✓ No upper age limit
- ✓ Available in all 50 states
Weaknesses
- ✗ 12-month orthopedic waiting period
- ✗ No dental coverage
- ✗ No alternative therapy coverage
- ✗ No exam fee coverage
- ✗ Small multi-pet discount
Best for
- → AKC members and breed enthusiasts
- → those wanting low annual limit options
- → purebred dog owners
Less ideal for
- → those needing orthopedic coverage soon
- → owners wanting alternative therapy coverage
- → those needing dental coverage
Frequently asked questions
How much does AKC cost?
AKC premiums start at $22/month for small young dogs and range up to $120/month for large senior dogs. Actual pricing depends on breed, age, and location.
Does AKC cover hereditary conditions?
Yes, AKC covers hereditary and breed-specific conditions.
What is AKC's waiting period?
AKC has a 14-day accident waiting period and 14-day illness waiting period. Orthopedic conditions have a 12-month wait.
Is there an age limit for AKC?
No, AKC has no upper age limit for enrollment.
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Last verified: 2026-05-16