AA Insurance for Pets- All your questions about AA Pet Insurance answered!

AA insurance offers 3 different plans, Bronze, Silver or Gold.

AA pet insurance ‘s plans are ‘per condition only’, meaning that they will only cover a condition to the maximum amount, once that amount is reached for that condition, your pet won’t be covered for that condition again.

AA pet insurance ‘s website has a lot of information and tries to explain all the plans as best as possible so they are understood. They also say that the average vet bill is over £220. More serious problems are of course cost more!

When I phoned AA Pet Insurance, the gentleman I spoke with was helpful and answered all of my questions which can be found below.- so you don’t have to phone for simple answers!

AA pet insurance plans are through the Petwise Health Care Plans.

If you have any questions about AA insurance for pets, there are two tables below that compare the plans side by side.

You will also find answers to your important questions about AA insurance for pets.

If you end up getting pet insurance, please come back to Leave a review! Thank you!


Snapshot Information Chart for AA insurance for pets

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

There is no yearly maximum, only a per incident limit that lasts for the life of the pet, but once you reach the incident maximum you can no longer get covered for that incident.

Prices on the AA insurance website are: ‘live on the site’. These are the prices that I was quoted while on the site and could be different when you’re on AA insurance ‘s site.
*For pets over 6, an you must pay an additional 20% of the vet bill aswell as the £75 excess.
*Excess for Accidental damage and third party liability is: £100


Detailed coverage Chart for AA insurance for pets

Bronze Silver Gold
Vet fees – accident and illness £1000 /incident £3000 /incident £5000 /incident
Routine Care
Hereditary Conditions yes yes yes
Hip dysplasia yes yes yes
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
Quarantine costs
Behavioural problems
Prescription meds yes yes yes
Dental (not teeth cleaning) Accident only Accident only Accident only
Alternative treatment yes yes yes
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

Vet fees- Illness or Accident
Routine/Preventative care- vaccinations, annual exam, spay/neuter, heartworm testing and meds, teeth cleaning, tick and flea meds. – none of these things are covered.
Hereditary conditions- and congenital conditions are covered as long as not pre exiting.
Hip Dysplasia- is covered as long as not pre existing.
Death- They will cover replacement price of pet if dies from accident or illness.
Euthanasia – is only covered if it is absolutely necessary to prevent incurable and inhumane suffering.
Cremation – is not covered.
Boarding- If you go to hospital for more than 4 days.
Holiday- If your pet needs urgent medical care 7 days before your holiday, they will re-imburse you £250 or 2000 to re-imburse the loss of the vacation.
Cover abroad- is covered for travel to countries that are a member of the PETS travel scheme aswell as travel in United Kingdom (including northern Ireland), Isle of man and the channel islands.
Quarantine Costs- are not covered.
Behavioral problems- are generally not covered, but may be covered if yoru pet develops behavioral problems due to an accident or illness.
Prescription Meds- are covered.
Dental-is only covered for accidents.
Alternative treatment- ( ex. Hydrotherapy) is covered as long as it’s recommended by a vet and approved by Aa insurance.
Breeding, Fertility, Pregnancy
Medical devices– may or may not be covered depending on the reason for the device. Everything goes to an assessor first.
Lost/Stolen Pet  (Advertising to find pet if lost/stolen/strays)- are covered for upto 250 for silver plan and 750 for gold plan.
Third party liability(dogs only) this coverage only applies if you are not already covered by your household policy. It does not cover injury to your family, household, employees or their property. This applies if you are legally liable.
Accidental Damage– this cover is for third party damage if you are not legally liable.
Grooming and Bathing– is not covered.
Pet food, Nutritional supplements, vitamins, natural remedies– Only for a specific incident to a maximum of 4 weeks



Insurance Helplines coverage chart for AA Pet Insurance.

Bronze Silver Gold
Bereavement counseling yes yes yes
Vet finder yes yes yes
Pet legal yes yes yes
Pet minder yes yes yes
Pet Vet direct? yes yes yes

Bereavement counseling-help you deal with death/illness of pet Telephone 0870 1628 153
(Telephone lines are open 24 hours a day, 365 days a year.)
Vet Finder- help you find local vet if away from home – Telephone 0870 240 1495 (Telephone lines are open from 8.00am to 6.00pm weekdays and 9.00am to 2.00pm Saturdays)
Pet legal- will discuss pet legal issues. Telephone 0870 1628 153
(Telephone lines are open 24 hours a day, 365 days a year.)
Pet minder-help you find a local pet sitter. Telephone 0870 240 1495
(Telephone lines are open from 8.00am to 6.00pm weekdays and 9.00am to 2.00pm Saturdays)
Pet vet direct– if you have a question for a vet, they’ll answer your question.

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) ? 

All breeds? 
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.

Waiting period? 
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.

Extras included? 
None to note

Money back guarantee? 
14 days


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.

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