Is AAA Pet Insurance Good? Here's How It Stacks Up

Table of Contents

• Does AAA offer pet insurance?
• An overview of AAA Pet Insurance
  • Available plans
  • Exclusions
  • Pricing
  • Discounts
  • Claims and reimbursement times
• What we like about this coverage
• What could be improved
• Is AAA Pet Insurance worth it?

Does AAA offer pet insurance?

The American Automobile Association (known as the "AAA" or "Triple-A") was established in 1902 in Chicago, Illinois by nine motor clubs with about 1,500 members in response to a lack of roads and highways suitable for automobiles. Today, AAA provides more than 60 million members with pet, travel, automotive, financial, and insurance services through its network of 32 clubs and over 1,000 branch offices across North America.

AAA’s pet insurance is administered by Embrace and underwritten by the American Modern Insurance Group, Inc. When this newcomer entered the pet insurance marketplace through their partnership with Embrace, AAA joined the likes of other brands known for member-exclusive savings, such as USAA and Costco.

An overview of AAA Pet Insurance

Available plans

Through Embrace, AAA offers a comprehensive Accident & Illness plan that covers the following:

• Accidents and illnesses
• Exam fees
• Diagnostic testing
• Chronic conditions
• Genetic and breed-specific conditions
• Cancer diagnosis and treatment
• Emergency and specialist vet care
• Surgery and hospitalization
• Alternative treatment and rehab
• Behavioral treatment
• Preventable conditions
• Prescription medications

The company also offers an optional Wellness plan for preventive and routine care called Wellness Rewards. This plan can be added to your pet insurance policy to help reimburse for things like wellness exams, vaccinations, spay or neuter surgery, grooming, training, heartworm/tick/flea prevention, teeth cleaning, etc. You can use your wellness plan for any allowable product or service up to your annual allowance.

Embrace has a 48-hour waiting period for accidents and a 14-day waiting period for illnesses. For orthopedic conditions in dogs, the waiting period is six months but it can be reduced to 14 days by following the company’s Orthopedic Exam and Waiver Process.

Exclusions

Like all providers, AAA won’t cover pre-existing conditions. The list of exclusions also includes:

• Deliberately caused injures
• Injuries and illnesses resulting from racing, fighting, neglect, or cruelty
• Breeding, pregnancy, and whelping
• Cosmetic and elective procedures like ear cropping, claw removal, and tail docking
• Stem cell therapy not deemed medically necessary
• Cloning or DNA testing

Pricing

On average, AAA pet insurance costs about $15 to $20 a month for cats, and between $30 and $40 a month for dogs.

Of course, the final price of your policy will depend on several factors such as the animal’s breed, age, size, gender, and location. However, with AAA and Embrace, customers get the opportunity to customize their policies by choosing from multiple deductibles, reimbursement rates, and annual limits so that you can get the best insurance plan for your pet’s needs and your budget.