Compare Embrace to AKC Pet Insurance

When comparing AKC Pet Insurance's coverage to Embrace, the difference is in the details. In the pet insurance comparison chart below, you’ll find important policy factors to consider when deciding if AKC Pet Insurance is right for you. If you’re looking for additional information on AKC Pet Insurance, you can find a more comprehensive explanation of these features below the chart.


Plan Features Embrace Pet Insurance Logo AKC Pet Insurance
Flexible Routine Care Plan Yes Per-item Limits
Coverage for Exam Fees Yes Extra Cost
One Comprehensive Policy Yes No
No Lifetime Limits Yes No
Coverage for Hereditary & Congenital Conditions Yes Extra Cost
Alternative Therapy Coverage Yes No
No Annual Vet Visit Requirement Yes No
No Illness Exclusions Yes No
Diminishing Deductible Feature Yes No
Window to Submit Claims Full Policy Term + 60 Days 180 Days from Office Visit

Important Facts about AKC Pet Insurance That Could Affect Your Pet's Coverage

AKC pet insurance limits your pet's coverage in a variety of ways. They don't automatically cover exam fees, which can be a significant expense if your pet needs a specialist or has a condition that requires frequent trips to the vet. In addition, they don't cover hereditary and congenital conditions standard which can severely limit reimbursement on a variety of issues that are often expensive to treat. Finally, while AKC Pet Insurance offers a wellness plan, it has itemized limits so you'll struggle to get the full value each year.

10 Reasons to Consider Embrace over AKC Pet Insurance

1. Flexible Routine Care Plan

AKC Pet Insurance has itemized limitations for their wellness plans. If you don’t use the funds in their set categories, then you lose them. Plus, only one of their two wellness offerings reimburse for spaying or neutering at all.

Embrace promotes, rewards, and encourages healthy pets by offering Wellness Rewards, an optional non-insurance product that reimburses for everyday veterinary, grooming, and training costs with no itemized limits. And our wellness covers all the same things no matter which limit you select.

2. Coverage for Exam Fees

AKC Pet Insurance does not automatically include the exam fee in their policy. Visiting an emergency hospital, or even going to a scheduled visit at your primary veterinary or a veterinary specialist, can include an expensive exam fee – sometimes well over $100. Not having coverage for these fees is like having to pay an extra deductible at every visit. To get the exam fee covered, ExamCare must be added at an additional cost. Embrace believes that this fee should be covered.

3. One Comprehensive Policy

AKC Pet Insurance has several policy options to pick from. With so many options, it can be difficult for you to find what’s best for your furry friend and you may end up sacrificing coverage for a lower cost. Embrace offers one simple yet comprehensive policy.

4. No Lifetime Limits

AKC Pet Insurance has per-incident limits for the lifetime of a pet. If a pet reaches this limit in the first year, there is no additional coverage available for that condition for the rest of the pet’s life. Embrace’s policy allows you to claim injuries and illnesses up to your annual maximum with no lifetime limits. (Eligible states are allowed $1,000 per policy year for dental illness with no lifetime limit.)

5. Coverage for Hereditary & Congenital Conditions

AKC Pet Insurance does not cover hereditary and genetic conditions standard on their policy - you must pay more for this coverage. Hereditary and genetic conditions can lie dormant for years and when symptoms start showing they can cost thousands of dollars to treat. All Embrace accident and illness plans cover genetic conditions that your pet may be prone to, standard.

6. Alternative Therapy Coverage Included

AKC Pet Insurance does not offer coverage for alternative medicine, including acupuncture and chiropractic care, both of which are covered with an Embrace policy. When it comes to treatment we want you to be able to consider any and all options presented by your veterinarian, which is why we cover alternative therapies standard with every policy.

7. No Annual Visit Requirement

AKC Pet Insurance requires that all pets have an annual wellness visit in order to qualify for coverage. While Embrace encourages you to see your vet annually there is absolutely no requirement.

8. No Illness Exclusion for Certain Conditions

AKC Pet Insurance does not allow pets who have been diagnosed with or who have shown symptoms of Addison’s disease, Cushing’s disease, diabetes, feline leukemia, or feline immunodeficiency virus to have illness coverage – they are eligible for an accident-only plan. Embrace does not exclude these pets from having illness coverage, we just would not be able to cover that pre-existing condition or any related conditions.

9. Diminishing Deductible Feature

Embrace is the only pet insurer to offer a diminishing deductible. With Embrace’s Healthy Pet Deductible, your pet's annual deductible automatically goes down by $50 each year you don't receive a claim reimbursement. This is included with every policy at no extra charge.

10. More Time to Submit Claims

AKC Pet Insurance requires you to submit claims within 180 days of the office visit. Embrace gives you your entire policy term, plus 60 days after it renews to submit your claims.

Information last updated April 2018. AKC Pet Insurance is underwritten by American Pet Insurance Company.
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