|Plan||Accidents and Illness||Deductible/ Excess * (per incident)||Max age limit to sign on||Lifetime cover||Price per month|
|Bronze||£1000 /incident||£75||no||no||Dog: £9.35-43.86 Cat: £5.51|
|Silver||£3000 /incident||£75||No||no||Dog: £15.55- 74.97 Cat: £9.44|
|Gold||£5000 /incident||£75||no||no||Dog: £19.23- 93.42 Cat: £10.30|
Detailed coverage Chart for AA insurance for pets
|Vet fees – accident and illness||£1000 /incident||£3000 /incident||£5000 /incident|
|Death (replacement cost of pet)||£0||£250||£750|
|Euthanasia||See below||See below||See below|
|Boarding (if owner hospitalized)||£0||£250||£1000|
|Holiday (trip cancellation)||£0||£250||£2000|
|Cover Abroad||30 days||30 days||12 months|
|Dental (not teeth cleaning)||Accident only||Accident only||Accident only|
|Breeding, Fertility, Pregnancy||-||-||-|
|Medical devices (ex. Wheelchair for dog)||See below||See below||See below|
|Lost/Stolen pet adds||0||£250||£750|
|Third party liability (dogs only)||£1million||£1million||£1million|
|Accidental Damage (tenant coverage)||-||-||£500|
|Grooming and Bathing||-||-||-|
|Pet food, Nutritional supplements, vitamins, natural remedies||See below||See below||See below|
Insurance Helplines coverage chart for AA Pet Insurance.
|Pet Vet direct?||yes||yes||yes|
Some Common Questions:
Does AA pet insurance cover hereditary and congenital disorders?
yes, both hereditary and congenital conditions are covered as long as the problem is not a pre existing condition.
Lifetime insurer (will AA insurance cover on going conditions throughout pets life) ?
Yes, but only to the policy limit. For AA pet insurance the maximums are not annual, they are per incident.
If you want to better understand Lifetime Pet Insurance, check out this page!
Discounts offered with AA pet insurance?
10% if you purchase online.
Any vet or specific vets only? After hours vets or in home vets?
You can go to a vet of your choice. If it needs an after hours vet, you can go to that too.
Can the vet be paid directly with AA pet insurance?
If not, How quickly are claims processed with AA insurance?
5 working days.
Does AA pet insurance cover examination fee (if it relates to the injury or illness) ?
Most breeds are covered, except dogs under the dangerous dog act.
Dangerous Dog Act?
Dogs under this act aren’t covered.
Do I stop getting coverage as my dog ages with AA insurance?
Yes, your dog will be covered as it ages, however if you reach the maximum condition amount, then any more problems with that same condition wont be covered.
Does age affect monthly price (as my dog gets older will the monthly premium go up) ?
Yes, as your dog gets older, the price of your insurance will increase.
Does AA insurance put the monthly price up every year? By how much?
The monthly amount increases with the age of the dog, when your pet reaches the age that it’ll increase having illnesses (usually between ages of 7 to 9 years) then the monthly amount will increase at renewal time.
Where does AA pet Insurance serve? Is the monthly amount more depending on where I live?
They serve: The united kingdom (including northern Ireland), Isle of man and the channel islands only.
10 days for illness.
Do rates increase with more claims/penalized for filing more claims?
At renewal time (every year), you can be penalized for filing more claims.
Maximum lifetime claim amount?
No, there is only condition lifetime claim amount. However long it takes to reach the condition maximum is fine.
What is the co-pay/co-insurance?
Co-insurance is 20% and only applies to pets over 6 years old.
None to note
Money back guarantee?
What AA pet insurance doesn’t cover - claims that are directly or indirectly related to:
• Pets under 8 weeks old.
• Pre-existing conditions.
• No coverage for injuries that result from: racing, breeding, commercial guarding.
• Treatment not recommended by a vet.
• Will not insure dogs that are a breed under the “Dangerous Dogs act 1991 or Dangerous dogs act 1991(Northern Ireland)”
o These dogs include: Pit Bull Terrier, Japanese Tosa, Dogo Argentino, Fila Brasileiro and pets described similar in type and characteristic. They may not even be of this breed, but if they’re described to be the same.
o This is described as a type and characteristic, NOT breed, meaning any dogs that have characteristics as the above breeds.
Make sure to read the fine print before purchasing any insurnace, there are many more exclusions that are not written here.