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Dog Club Insurance and Conventional Agencies Compared

If you're looking to purchase insurance coverage for your dog, you can select a policy from a conventional agency or dog club insurance. Comparing these two options starts with understanding basic differences between standard dog insurance policies, like those offered by Veterinary Pet Insurance (VPI), and coverage sponsored by a club, like The American Kennel Club (AKC).

Differences in Premiums and Choice of Veterinarians

The AKC's Pet Healthcare program allows you to select any veterinarian in the U.S. and Canada-if you're visiting. It offers five different plans in the Wellness (shots and exams) and Accident (illness, cancer and injury) categories, with coverage ranging from $1,500 to $13,000 per year.

VPI's coverage allows you to choose any veterinarian worldwide, and consists of two coverage levels:

VPI uses a benefit schedule that allows a certain amount of coverage per incident. For example, the Superior Plan covers up to $1121 for surgical procedures requiring pins, wires or screws, while the Standard Plan offers $1018 in coverage.

Additional Features of Dog Club and Traditional Insurance

Other benefits advertised by AKC's insurance are:

VPI's list of advantages includes:

also see 10 Dog Insurance Comparison Points for New Owners

also see How to Compare Dog Insurance

also see Better Dog Health Insurance: Pet Coverage Checklist

also see Veterinary Client Rights, medical records, etc