Most pet insurance plans cover accidents and illnesses, but do you also want other types of coverage for your pet? AKC Pet Healthcare Plan does not cover alternative therapies or behavioral issues, and hereditary conditions and exam fees are only covered if you purchase optional add-ons.

With ASPCA Pet Health Insurance Complete CoverageSM, all of this coverage is included, so you don’t have to guess which types of coverage your pet may need.

Example Monthly Cost*
AKC Pet Healthcare Plan
Complete CoverageSM
$10,000 Annual Limit:
$42.54
Companion Plus:
$63.58
AKC Pet Healthcare Plan
Reimbursement Choice of 90%, 80% or
70% of covered vet costs
80% of reasonable and customary charges, minus exam fees
Type of Deductible Annual Annual
Unlimited Plan Available Yes No
Illness Waiting Period 14 Days 14 Days
Accident Waiting Period None 3 Days
Preventive Care Optional add-on Optional add-on
Coverage Includes:    
Exam Fees Yes Optional add-on
Lab Tests, X-rays, Hospitalization, Surgery, Diagnostics, etc. Yes Yes
Prescription Medications Yes Yes
Hereditary and Congenital Conditions Yes Optional add-on
Alternative Therapies Yes No
Behavioral Issues Yes No
Dental Illnesses Yes No
Chronic Conditions Yes Yes
Specialists Yes Yes
Stem Cell Treatments Yes No
Prescription Food & Supplements
To treat a covered condition (not for general maintenance or weight management)
Yes No
Microchip Yes Optional add-on
No Vaccination Requirements for Coverage of Certain Conditions Yes No
Multiple Pet Discount 10% for each additional pet 5% for each pet when insuring two or more
Age Limits for Illness Coverage Enrollment

This is the age at which illness coverage is no longer available for new enrollments. Typically, a pet’s plan won’t be cancelled because of age.

None Dogs: 9
Cats: 9
All Pets Eligible, Regardless of Health Yes No
Accident-Only Plan Available for All Pets Yes Yes
Money Back Guarantee 30 Days 30 Days
Experience The agency that provides ASPCA Pet Health Insurance was founded in 1997. The company that offers AKC Pet Healthcare Plan started selling plans in the US in 2003.
Better Business Bureau Rating A+ A+