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:
- a Superior Plan, that provides the highest reimbursement amounts for eligible emergencies and illnesses and accidental injuries
- a VPI Standard Plan that offers more economical coverage in these areas
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:
- premiums that do not increase depending on your dog's breed
- choice of monthly or annual premium payments
- benefits based on veterinarian recommendations
VPI's list of advantages includes:
- its status as the largest and oldest pet insurance provider
- recommendation from 9 out of 10 veterinarians
- no pre-certification requirements in order to receive coverage