AAA pet insurance review 2026

Many AAA determination clubs spouse with a favored security company, similar Spot (4.2 stars), Healthy Paws (3.1 stars), oregon Companion Protect, to connection favored security to their members. The favored security program types, coverages, and costs volition beryllium connected your AAA nine and the favored security institution it partners with. You tin sojourn your AAA club’s website oregon telephone a subdivision determination to find retired if favored security is disposable arsenic a subordinate benefit.

Learn more: The champion favored security companies

• Most plans screen attraction for unexpected accidents and illnesses

• Some favored insurers connection exclusive AAA subordinate discounts

• Plans whitethorn see 24/7 vet telehealth support

• You can’t take which insurer provides your favored insurance

• Not each AAA clubs connection favored security arsenic a subordinate benefit

Learn more: Is favored security worthy it?

AAA doesn’t underwrite its ain favored security policies. Instead, it partners with favored security companies to supply favored security to its members. Because of that, the program choices, waiting periods, deductible options, reimbursement rates, and enrollment ages volition vary.

If you bargain favored security done AAA, you can’t prime which favored security institution issues your policy. You indispensable acquisition favored security from the insurer that your AAA car nine partners with. Because of that, it’s important to comparison your AAA club’s favored security spouse to different favored security companies to find the champion enactment for your pet’s needs.

Learn more: How does favored security work? A implicit guide.

AAA favored security tin screen attraction for accidents and illnesses arsenic good arsenic related vet expenses, specified arsenic exams and diagnostic testing. While immoderate favored security plans supply broad sum without add-ons, others necessitate optional endorsements oregon packages if you privation the astir coverage.

Learn more: Your usher to what favored security covers

AAA’s mishap and unwellness policy

Most AAA favored security partners connection mishap and unwellness plans, which whitethorn screen the following:

• Hereditary and congenital conditions

• Dental accidents and illnesses

• Prescription medications

• Cancer treatment

• Euthanasia

• Alternative therapy, specified arsenic acupuncture and chiropractic care

• Behavioral therapy

• Prescription diets

• Surgeries

• Hospitalization

Learn more: Does favored security screen separation anxiousness successful dogs?

Some AAA favored security spouse companies whitethorn connection an accident-only plan. These policies screen veterinary costs related to unexpected accidents, specified arsenic breached bones, wound wounds, lacerations, car accidents, and toxic ingestion. They don’t screen vet attraction for illnesses, similar allergies, cancer, oregon pancreatitis.

Depending connected the security institution that provides your AAA favored insurance, you mightiness beryllium capable to adhd an optional wellness program to your policy. Wellness plans tin screen your pet’s regular care, like:

• Annual exams

• Teeth cleaning

• Flea/tick/heartworm prevention

• Deworming

• Vaccinations

• Spaying/neutering

Learn more: Why a favored wellness program is worthy considering

Most favored security companies don’t screen preexisting conditions that happened earlier your favored was insured, oregon occurred during the waiting period. However, immoderate AAA favored security partners whitethorn screen curable preexisting conditions if your favored has been treatment- and symptom-free for six months to a year.

Learn more: Pet security that covers preexisting conditions

Some favored security companies that AAA partners with, including Spot and Healthy Paws, connection a 24/7 vet telehealth line. Through the chat feature, you tin speech with a licensed veterinarian and get proposal astir your pet’s health, behavior, diet, oregon medications.

AAA favored security doesn’t screen everything. The circumstantial exclusions volition beryllium connected the security institution that issues your policy, but immoderate communal ones are:

• Pre-existing conditions

• Preventive attraction (unless you adhd a wellness plan)

• Injuries and illnesses from intentional, negligent, oregon preventable acts

• Elective oregon cosmetic procedures

• Boarding and transportation

• Grooming

• Breeding and pregnancy

• Experimental treatments

• Cloning

Learn more: What is microchipping, and does favored security screen it?

Depending connected your favored security company, you mightiness beryllium capable to set your sum during the argumentation term. However, support successful caput that expanding your sum could effect successful caller waiting periods, and immoderate conditions that occurred earlier the alteration would beryllium considered preexisting. Typically, you tin alteration your sum with less restrictions.

The outgo of AAA favored security depends connected the security institution that supplies favored security for your determination AAA club. Additionally, favored security premiums alteration based connected your program type, yearly maximum, deductible, and reimbursement complaint arsenic good arsenic your pet’s property and breed.

Learn more: How overmuch does favored security cost?

The mean outgo of favored security done Spot, with a $5,000 yearly sum limit, is shown below.

The mean outgo of favored security done Spot and Healthy Paws, with an unlimited yearly sum limit, is below.

Learn more: How to comparison favored security quotes

Many favored security companies that AAA partners with connection a multi-pet discount. For example, AAA Mountain West Group members tin prevention 2.5% for insuring 2 pets, and up to 5.6% for insuring 3 oregon much pets done Companion Protect. The Automobile Club of Southern California offers a 10% multi-pet discount done Spot.

AAA members mightiness suffice for member-only discounts connected favored insurance. The nonstop discounts beryllium connected the security institution that issues policies for your AAA determination club.

For instance, if you beryllium to AAA Mountain West Group, you tin gain a 5% AAA subordinate discount, a 5% subject discount, and a 5% multi-policy discount if you person AAA car oregon location insurance.

AAA mightiness beryllium capable to wage the vet directly, depending connected the insurer that provides your policy. For example, if your AAA determination nine partners with Health Paws, you tin petition outgo straight to your vet if you can’t spend to wage your invoice upfront. However, you indispensable put nonstop outgo earlier your favored gets treatment.

Learn more: Pet security that pays the vet directly

The nonstop process for filing AAA favored security claims volition beryllium connected the institution that issues your policy. You’ll record claims straight done the favored security company, not AAA.

Here’s a wide overview of however astir favored security companies grip claims:

• Submit the claim: The fastest mode to record a assertion is usually online oregon done the insurer’s mobile app, if it has one. If you prefer, you tin record a assertion implicit phone, oregon via email oregon fax if the insurer allows it.

• Upload your invoice: You’ll request to taxable your invoice from the vet with impervious of payment. Most insurers besides necessitate you to upload your pet’s aesculapian records, particularly if you’re filing a assertion for the archetypal time.

• Wait for reimbursement: The security institution volition process your assertion and fto you cognize if it needs much information. Once approved, you’ll person reimbursement.

Most favored security companies necessitate customers to taxable claims wrong 90 to 180 days from the day of treatment. Some insurers, including Spot, person longer submission periods of 270 days oregon longer from the clip of treatment.

Some of AAA’s favored security partners tin wage claims successful arsenic small arsenic a fewer days, portion others mightiness instrumentality longer. Typically, claims are paid faster if you take nonstop deposit alternatively than a insubstantial check.

AAA’s mobile app doesn’t supply immoderate favored security argumentation absorption features. However, galore favored security companies person a mobile app wherever customers tin record claims, adhd pets, marque payments, presumption aesculapian records, and entree 24/7 vet telehealth, if available.

AAA favored security is disposable successful astir states. To find retired if AAA favored security is disposable successful your region, you should interaction your AAA car club.

Learn more: AAA car security review

Some AAA favored security partners mightiness necessitate an exam earlier you tin enroll your pet. You should interaction your determination AAA club’s favored security spouse to find retired if an exam is required.

You should interaction your determination AAA car nine to larn much astir its favored security offerings. You mightiness beryllium directed to the favored security partner’s lawsuit work for much circumstantial accusation astir plans, coverages, and eligibility.

If you person a favored security argumentation done AAA, you’ll request to interaction the security institution straight to cancel your policy. Most favored security policies person a escaped look period, which allows you to cancel wrong the archetypal 30 days and person a afloat refund if you haven’t filed immoderate claims.

Tim Manni and Jamie Young edited this article.

We researched the sum details and prices for 28 favored security plans. We past weighted categories, and each favored insurer was scored comparative to the others to find the champion favored security companies. Here are the factors we incorporated.

Coverage types: 40% of score. We examined the sum provided by the basal argumentation without the other outgo of add-ons. This encompassed sum for alternate therapy, behavioral therapy, dental illness, euthanasia oregon end-of-life expenses, exotic pets, hereditary and congenital conditions, preexisting conditions, medicine nutrient and supplements, veterinary exam fees, and advertising/reward for lost/stolen pets.

Average cost: 30% of score. We evaluated costs successful 5 states for $5,000 and unlimited sum for a mixed-breed canine (age 1), a French bulldog (age 5), and a Labrador retriever (age 8).

Unlimited sum option: 10% of score. We gave points erstwhile favored insurers offered an unlimited yearly bounds (or a $100,000 limit), which gives favored owners the astir robust fiscal extortion imaginable successful the lawsuit of a catastrophic favored aesculapian issue.

Direct payments to the veterinarian: 5% of score. We gave points to favored insurers that authorities connected their websites that they accommodate nonstop vet payments.

No peculiar waiting periods for peculiar conditions: 5% of score. We gave points erstwhile favored insurers person nary waiting periods for peculiar conditions, specified arsenic cruciate ligament conditions.

Routine wellness plan: 5% of score. Companies that connection a regular wellness program successful summation to favored security received points.

Multi-pet discount: 5% of score. We gave points erstwhile favored insurers offered a discount for insuring aggregate pets.