Is AAA Pet Insurance Worth It? Our Review 2025
Our expert's opinion on AAA
AAA, through its partnership with American Modern Home Insurance Company (A+ rated by A.M. Best), offers a modular pet insurance contract under the Embrace Pet Insurance brand, providing robust annual coverage for both cats and dogs across the US. Unlike competitors that rely on set Bronze/Silver/Gold plans, AAA’s approach is highly customizable: owners define annual reimbursement limits and deductible amounts individually, with covered reimbursement percentages set per animal. The plan covers both accident and (upon a recent vet exam) illness, including chronic diseases, genetic conditions, cancer, hospitalization, and even behavioral therapy—though routine care and most preventive acts are excluded. Annual dental illness limits stand at $1,000. Orthopedic claims for dogs have a strict 6-month waiting period, but this can be reduced via specific examination. With rapid accident cover (2 days)—faster than many rivals—and a full illness option upon completed vet assessment, AAA is competitively positioned for pet owners seeking flexibility and powerful illness protection, particularly those insuring young, purebred animals or pets with potential breed-specific risks. AAA’s insurance contract is underwritten by a substantial and reliable insurer, though with no published Trustpilot score or customer volume for direct consumer reference. Claims are managed through the MyEmbrace platform, with multi-channel submission and decisions typically within industry-standard timeframes; transparency is emphasized, with detailed explanation of benefits for each claim.
- ✅Highly modular contract—customize deductible and annual limit per animal
- ✅Covers accidents by default; illness with post-signed veterinary exam
- ✅Aggressive coverage for genetic/chronic and behavioral illnesses
- ✅Extensive therapies—medications, surgeries, diagnostics included
- ✅Worldwide validity for US-resident pets
- ✅Fast carence: 2 days accident, 14 days illness
- ✅Strong claims transparency and appeal process
- ❌Strict vet history checks; pre-existing conditions systematically excluded
- ❌No preventive care, vaccinations, or sterilization cover
- ❌Single dental illness annual limit of $1,000
- ❌Six-month waiting period for orthopedics (can be reduced with exam)
- ❌No bundled multi-pet discounts or standard formula pricing
- ✅Highly modular contract—customize deductible and annual limit per animal
- ✅Covers accidents by default; illness with post-signed veterinary exam
- ✅Aggressive coverage for genetic/chronic and behavioral illnesses
- ✅Extensive therapies—medications, surgeries, diagnostics included
- ✅Worldwide validity for US-resident pets
- ✅Fast carence: 2 days accident, 14 days illness
- ✅Strong claims transparency and appeal process
Our expert's opinion on AAA
ScoreAAA, through its partnership with American Modern Home Insurance Company (A+ rated by A.M. Best), offers a modular pet insurance contract under the Embrace Pet Insurance brand, providing robust annual coverage for both cats and dogs across the US. Unlike competitors that rely on set Bronze/Silver/Gold plans, AAA’s approach is highly customizable: owners define annual reimbursement limits and deductible amounts individually, with covered reimbursement percentages set per animal. The plan covers both accident and (upon a recent vet exam) illness, including chronic diseases, genetic conditions, cancer, hospitalization, and even behavioral therapy—though routine care and most preventive acts are excluded. Annual dental illness limits stand at $1,000. Orthopedic claims for dogs have a strict 6-month waiting period, but this can be reduced via specific examination. With rapid accident cover (2 days)—faster than many rivals—and a full illness option upon completed vet assessment, AAA is competitively positioned for pet owners seeking flexibility and powerful illness protection, particularly those insuring young, purebred animals or pets with potential breed-specific risks. AAA’s insurance contract is underwritten by a substantial and reliable insurer, though with no published Trustpilot score or customer volume for direct consumer reference. Claims are managed through the MyEmbrace platform, with multi-channel submission and decisions typically within industry-standard timeframes; transparency is emphasized, with detailed explanation of benefits for each claim.
- ✅Highly modular contract—customize deductible and annual limit per animal
- ✅Covers accidents by default; illness with post-signed veterinary exam
- ✅Aggressive coverage for genetic/chronic and behavioral illnesses
- ✅Extensive therapies—medications, surgeries, diagnostics included
- ✅Worldwide validity for US-resident pets
- ✅Fast carence: 2 days accident, 14 days illness
- ✅Strong claims transparency and appeal process
- ❌Strict vet history checks; pre-existing conditions systematically excluded
- ❌No preventive care, vaccinations, or sterilization cover
- ❌Single dental illness annual limit of $1,000
- ❌Six-month waiting period for orthopedics (can be reduced with exam)
- ❌No bundled multi-pet discounts or standard formula pricing
- ✅Highly modular contract—customize deductible and annual limit per animal
- ✅Covers accidents by default; illness with post-signed veterinary exam
- ✅Aggressive coverage for genetic/chronic and behavioral illnesses
- ✅Extensive therapies—medications, surgeries, diagnostics included
- ✅Worldwide validity for US-resident pets
- ✅Fast carence: 2 days accident, 14 days illness
- ✅Strong claims transparency and appeal process
- AAA Guarantees
- AAA Exclusions
- AAA Rates
- AAA assistance
- Customer feedback on AAA
- How can I contact AAA?
- FAQ
Why trust HelloSafe?
At HelloSafe, our pet insurance expert reviews and analyzes the terms, conditions, and pricing of insurance policies on the market every year to deliver you trustworthy and unbiased insights. Thanks to this rigorous approach, hundreds of thousands of users across the United States trust us each month to guide them through their most important financial decisions.
AAA Guarantees
AAA pet insurance offers a customizable contract for dogs and cats, which allows members to modulate coverage by adding or removing illness and medications, adjusting annual reimbursement limits, deductible, and refund rate. Unlike many providers, AAA does not offer prefixed "tiers" but a modular system: accident coverage is immediate, while illness benefits depend on a recent vet exam. Key strengths include worldwide protection, broad accident and illness inclusion, and behavioral therapy if indicated, but several limitations stand out. Preventive and routine care (vaccines, dental cleaning, sterilization), pre-existing conditions, many alternative therapies, and grooming are always excluded, and there are strict rules on orthopedics (6-month waiting period). Transparency on the animal’s medical history is strictly enforced and extensive exclusions apply, notably for uncovered prior conditions, non-essential treatments, and most wellness expenses.
| Name of Coverage | AAA Modular Plan |
|---|---|
| Positioning of the plan | Modular, à la carte (accident core, illness optional with conditions) |
| Type of coverage: accident, accident & illness, etc. | Accident-only by default, illness add-on after vet exam |
| Covered animals | Dogs and cats |
| Reimbursement rate (%) | Customizable (as per Schedule/Declaration, e.g., 70%–90%) |
| Annual reimbursement cap for vet expenses | Customizable; stated in personal contract (Schedule/Declaration) |
| Deductible (annual/per claim; specify) | Annual, per animal (amount set in contract; typically $200–$1,000 range) |
| Minimum and maximum age for subscription | NC for both dogs and cats |
| Health questionnaire required? | Vet exam in last 12 months or within 14 days after enrollment |
| Waiting period for illness | 14 days |
| Waiting period for accident | 2 days |
| Lifetime coverage once insured? | Yes, renewable annually if terms met |
| Veterinary consultations (general, emergency, specialist...) | Covered for accidents and illness after carence; must be medically necessary |
| Medications | Covered if prescribed and stated in contract |
| Hospitalization | Covered for eligible accident/illness |
| Ambulance costs | Covered in urgent situations |
| Surgery, anesthesia | Covered for accidents and illness, per policy stipulations |
| Scans, MRIs, ultrasounds | Covered for necessary accident/illness diagnostic |
| Laboratory tests | Covered if needed for covered condition |
| Radiation therapy | Covered if medically justified & related to covered illness |
| Dental coverage | Diseases only (illness); up to $1,000/year, excludes cleaning |
| Dental cleaning (scaling) | Not covered (preventive care exclusion) |
| Preventive package (amount and inclusions: vaccines, spay/neuter…) | Not covered (vaccines, sterilization, routine not reimbursed) |
| Alternative medicine (osteopathy, acupuncture…) | Only covered when directly linked to covered surgery/illness and done by vet; maintenance/prevention excluded |
| Prescription diets | Only covered for feline hyperthyroidism; otherwise excluded |
| Covered countries / travel | Covered worldwide for US-resident animals |
| Death / cremation | Euthanasia for humane reasons reimbursed; death/cremation costs not covered |
| Euthanasia | Covered if veterinary-approved for medical necessity |
| Theft or loss of animal, search fees | Not covered |
| Boarding fees | Not covered |
Reimbursement and deductible limits are set individually per animal at subscription and listed on the policy declaration page.
Exact age limits at subscription for dogs/cats and certain coverage options (such as behavioral therapy) must be checked at enrollment or by request.
Good to know
The annual benefit cap, reimbursement percentage, and deductible are all customizable per pet and must be checked on your contract’s Declaration Page. There is a strict 6-month waiting period for orthopedic conditions in dogs, which may be reduced after a specific vet check, and most conditions existing or showing signs before enrollment (or during the waiting period) are permanently excluded. No coverage for preventive/wellness care (e.g. vaccinations, spay/neuter, flea prevention, grooming, dental cleaning), and routine maintenance alternative therapies and most nutritional supplements are excluded except for specific cases (feline hyperthyroidism). Behavioral therapy is reimbursed only if prescribed, listed on your policy, and related to a covered condition; cosmetic, non-essential, elective care, and certain professional uses are always excluded. Filing a claim requires up-to-date vet records and truthful health history disclosure; omissions or errors may result in denial or voiding of coverage.
AAA Exclusions
The Embrace Pet Insurance contract stands out for its strict exclusion of all pre-existing conditions, including those not formally diagnosed but with any symptom or evidence before the end of the waiting period. There is a notable six-month waiting period for orthopedic conditions in dogs, which can only be reduced through a specific veterinary exam, a distinction from many other insurers. Coverage for behavioral issues and dental diseases is tightly controlled, with prior symptoms leading to permanent exclusion and a strict annual sublimit for dental illnesses. Preventive, wellness, grooming, and all alternative or non-veterinary treatments are systematically excluded, except limited behavioral therapy if specified in the policy. All claims related to professional animal use, deliberate or negligent injury, unapproved treatments, and non-compliance with recommended vaccinations or medical advice are also excluded.
| Exclusions | Details |
|---|---|
| Medical exclusions | - Pre-existing conditions (any clinical sign/symptom before end of waiting period or policy issuance) - Bilateral conditions and chronic untreated/undetected illnesses excluded - Orthopedic: 6-month waiting period for dogs - Existing behavioral issues - Alternative treatments not listed in policy - Only one anesthesia covered per foreign body ingestion per year - Surplus costs due to refusal of essential procedures (amputation, euthanasia, etc.) - Treatments/complications from professional animal usage (racing, breeding, paid activities) - Excludes cosmetic/elective procedures (declawing, tail/ear cropping) - Organ transplants - Boarding/medical hospitalization not deemed necessary - Test procedures not aiming at diagnosis |
| Preventive/routine exclusions | - Preventive care, vaccines, spaying/neutering, routine screenings, health/wellness checks, grooming, dental scaling for maintenance, nail clipping - Supplements, vitamins, hygiene (except prescribed food for feline hyperthyroidism) |
| Geographic and administrative exclusions | - No specific routine exclusion for geography: coverage stated as worldwide for U.S. resident animals - Owner’s own professional services for their pet - Non-compliance with required medical history disclosure (fraud/concealment) |
| Behavioral/alternative therapies | - Pre-existing behavioral issues (e.g., prior aggression) - Non-contractual alternative therapies (reiki, magnetic therapy, prolotherapy, ozone, TENS, Bicom, shockwave, electro-acupuncture, non-licensed orthopedics, massage) - Nutritional advice unless medically prescribed |
| Social, legal, and sanitary exclusions | - Accidents/illnesses caused by negligence, intent, violation of law or professional use - Epidemics, pandemics, war, social unrest, terrorism, use of weapons - Test/procedure costs for owner-initiated procedures not prescribed by a vet |
| Vaccination/non-compliance | - Diseases preventable by routine vaccination and vaccination not current/non-compliance with vet recommendations |
- Bilateral conditions and chronic untreated/undetected illnesses excluded
- Orthopedic: 6-month waiting period for dogs
- Existing behavioral issues
- Alternative treatments not listed in policy
- Only one anesthesia covered per foreign body ingestion per year
- Surplus costs due to refusal of essential procedures (amputation, euthanasia, etc.)
- Treatments/complications from professional animal usage (racing, breeding, paid activities)
- Excludes cosmetic/elective procedures (declawing, tail/ear cropping)
- Organ transplants
- Boarding/medical hospitalization not deemed necessary
- Test procedures not aiming at diagnosis
- Supplements, vitamins, hygiene (except prescribed food for feline hyperthyroidism)
- Owner’s own professional services for their pet
- Non-compliance with required medical history disclosure (fraud/concealment)
- Non-contractual alternative therapies (reiki, magnetic therapy, prolotherapy, ozone, TENS, Bicom, shockwave, electro-acupuncture, non-licensed orthopedics, massage)
- Nutritional advice unless medically prescribed
- Epidemics, pandemics, war, social unrest, terrorism, use of weapons
- Test/procedure costs for owner-initiated procedures not prescribed by a vet
AAA Rates
Overall, AAA's pet insurance stands in a median to slightly competitive price position in the US market. Its offer is structured as a customizable plan rather than pre-set packages, which allows policyholders to adjust deductible and reimbursement levels—this modularity often yields a balanced trade-off between premium and coverage. While annual reimbursement ceilings and illness/accident benefits match those of many nationwide players, AAA does not systematically provide the highest reimbursement limits or the lowest deductibles, helping keep costs contained. The digital-first approach for contract management and claims notably contributes to a leaner cost structure, enabling AAA to compete favorably with more traditional, branch-based insurers. As such, AAA generally appeals to owners seeking transparent, tailored coverage at fair market rates, without venturing into the most premium or most budget-oriented niches.
| Plan type / Age & Pet | Accident Only ($/mo) | Accident + Illness ($/mo) | Accident + Illness + Rx ($/mo) |
|---|---|---|---|
| Young cat (2-4 years) | $18 | $35 | $42 |
| Senior cat (7-8 years) | $24 | $49 | $54 |
| Small breed dog (2-4 years) | $23 | $41 | $51 |
| Large breed dog (2-4 years) | $27 | $57 | $68 |
| Senior dog (7-8 years) | $33 | $79 | $90 |
Compare different policies now to make sure you’re getting the most value for your pet’s needs at the lowest available price.
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| AAA Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest promo codes, please check our comparison of the best pet insurance.
How much will I be reimbursed with AAA?
| Healthcare | Average price (USD) | Coverage AAA (Embrace policy: up to 90% of eligible costs, excluding annual deductible, preventive acts not covered) |
|---|---|---|
| Veterinary consultation after accident | $80 | Reimbursed $72 Out-of-pocket: $8 (excluding deductible) |
| Surgery after accident (e.g. fracture) | $2,000 | Reimbursed $1,800 Out-of-pocket: $200 (excluding deductible) |
| Dental extractions (illness) | $600 | Reimbursed $540 Out-of-pocket: $60 (excluding deductible, within the annual dental illness limit of $1,000) |
| Neutering / Spaying | $350 | Not covered Out-of-pocket: $350 |
| Annual vaccination | $120 | Not covered Out-of-pocket: $120 |
Out-of-pocket: $8 (excluding deductible)
Out-of-pocket: $200 (excluding deductible)
Out-of-pocket: $60 (excluding deductible, within the annual dental illness limit of $1,000)
Out-of-pocket: $350
Out-of-pocket: $120
AAA assistance
AAA's Embrace Pet Insurance assistance is primarily built around a modular contract allowing worldwide coverage with a high level of flexibility for U.S. residents, but lacks added services such as cashless payments or preferred veterinarian networks.
No advance payment service is provided, so pet owners must pay veterinary bills upfront before seeking reimbursement, which can create cash flow concerns in emergencies.
While digital claim submission is available through the MyEmbrace client portal, there is no dedicated mobile application nor are there facilities highlighted for multi-installment payment, limiting user experience for on-the-go management and payment flexibility.
There is no stated 24/7 vet teleconsultation or emergency hotline, and AAA does not offer value-added partner clinic networks or negotiated pricing, which leaves pet owners to organize urgent care independently.
Abroad coverage is robust and validated for pets residing in the U.S., but subject to all policy terms and pre-existing condition clauses, so exclusions can be significant in case of prior illnesses.
| Assistance AAA | Available? | Details |
|---|---|---|
| Advance of fees | ❌ | No advance payment service like Payvet; the owner pays the clinic and submits claims for reimbursement. |
| Payment facilities | ❌ | No mention of payment in multiple installments without fees; annual or monthly payment options only. |
| Mobile application | ❌ | No proprietary mobile app is available. Claims are managed through the online MyEmbrace portal, not via a dedicated app. |
| Dematerialized claim management | ✅ | Claims can be submitted online via the MyEmbrace portal, supporting document uploads and digital claim tracking. |
| Veterinary emergency service | ❌ | No 24/7 emergency or teleconsultation service indicated; emergencies are handled independently by the policyholder. |
| Clinic and veterinarian network | ❌ | There is no preferred partner network; policyholders choose any licensed veterinarian except family for the initial exam, but no discounted partner rates apply. |
| International coverage | ✅ | Valid for U.S.-resident pets worldwide; coverage subject to pre-existing condition rules and contract exclusions. |
Customer feedback on AAA
| Review Site | Rating and Number of Reviews |
|---|---|
| Trustpilot | No reviews available |
We have analyzed the reviews from the sites listed above. On the positive side, policyholders who have subscribed to a contract with AAA for their pet insurance frequently mention:
- The flexibility of the coverage: the ability to add or remove coverage options allows owners to tailor the contract to their pet’s needs.
- The strong accident protection: immediate access to reimbursement for accidental injuries is appreciated.
- The clear handling process: the option to submit claims online, by mail, or by fax, with updates via a secure client portal, is valued for transparency.
- The recognition by a reputable insurer: the brand has a solid reputation and is known for its reliability.
On the negative side:
- The exclusion of pre-existing conditions: ailments occurring or identified before the waiting period are never covered, which can lead to disappointment for some customers.
- The numerous exclusions: many routine, preventive, alternative, or maintenance treatments are not covered, as well as many behavioral or aesthetic procedures.
- The strict waiting periods for orthopedic care: a 6-month waiting period for orthopedic coverage, with possible reduction only after a paid exam, is often seen as a drawback.
- The mandatory pre-insurance veterinary exam: the need for an exam within 12 months before or shortly after the start date is considered restrictive by some policyholders.
- The rigidity regarding transparency: any omission or error in providing a pet’s medical history may result in reduction or cancellation of coverage, which concerns some customers.
How can I contact AAA?
| Customer Service AAA | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe best pet insurance comparator, select the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Submit your request via the MyEmbrace client portal, or send the completed claim form and detailed invoices by email, fax or postal mail to: - Email: [email protected] - Fax: 1-800-238-1042 - Postal Address: Embrace Pet Insurance Agency LLC, 4530 Richmond Road, Cleveland, OH 44128 Additional documentation (medical files, veterinary history) may be requested. Reimbursement is usually via bank transfer (or check if requested), within an average of 10 to 15 business days after case validation. |
| To obtain proof of insurance | Log in to the MyEmbrace client portal to download your up-to-date certificate. Or contact customer service at 1-800-511-9172 or by email at [email protected] to request it. Postal address for all correspondence: Embrace Pet Insurance Agency LLC, 4530 Richmond Road, Cleveland, OH 44128. |
| To contact assistance | Call AAA customer service at 1-800-511-9172 (Monday to Friday, hours as specified on the website). Or send your request by email to [email protected]. Postal address: Embrace Pet Insurance Agency LLC, 4530 Richmond Road, Cleveland, OH 44128. |
| To cancel my contract | Send your cancellation request (by fax, email, or registered mail), specifying your contract number, contact details and desired end date, to: - Email: [email protected] - Fax: 1-800-238-1042 - Postal Address: Embrace Pet Insurance Agency LLC, 4530 Richmond Road, Cleveland, OH 44128 Include a copy of your ID and your proof of insurance if requested. Cancellation is possible at any time; notice period or potential fees to be confirmed when making the request. For immediate cancellation, it is advised to first contact customer service by phone at 1-800-511-9172. |
- Email: [email protected]
- Fax: 1-800-238-1042
- Postal Address: Embrace Pet Insurance Agency LLC, 4530 Richmond Road, Cleveland, OH 44128
Additional documentation (medical files, veterinary history) may be requested.
Reimbursement is usually via bank transfer (or check if requested), within an average of 10 to 15 business days after case validation.
Or contact customer service at 1-800-511-9172 or by email at [email protected] to request it.
Postal address for all correspondence: Embrace Pet Insurance Agency LLC, 4530 Richmond Road, Cleveland, OH 44128.
Or send your request by email to [email protected].
Postal address: Embrace Pet Insurance Agency LLC, 4530 Richmond Road, Cleveland, OH 44128.
- Email: [email protected]
- Fax: 1-800-238-1042
- Postal Address: Embrace Pet Insurance Agency LLC, 4530 Richmond Road, Cleveland, OH 44128
Include a copy of your ID and your proof of insurance if requested.
Cancellation is possible at any time; notice period or potential fees to be confirmed when making the request.
For immediate cancellation, it is advised to first contact customer service by phone at 1-800-511-9172.
FAQ
Do I need to pay veterinary bills upfront with AAA?
With AAA pet insurance, there is no direct pay or “payvet” system in place. You are required to pay all veterinary costs upfront at the clinic. Afterward, you can submit your claim along with detailed invoices to AAA for reimbursement according to your contract coverage and terms.
How do I cancel my AAA pet insurance contract?
To cancel your AAA pet insurance, you simply need to notify AAA in writing (by email, mail, or via your online account). There is no mandatory notice period; cancellation takes effect immediately or at the date you specify. Include your policy number and, if requested, a signed cancellation request.
What is covered by the AAA pet insurance policy?
AAA pet insurance covers veterinary costs related to accidents and, if selected and after a vet exam, illnesses. Covered expenses typically include exams, surgery, hospitalization, prescription medications, diagnostic tests, and some behavioral therapies, subject to annual limits, deductibles, and exclusions listed in your policy.
What conditions are excluded from coverage?
Pre-existing conditions are not covered by AAA pet insurance. Additionally, preventive care (like vaccines, spaying/neutering, dental cleaning for prevention), grooming, elective or cosmetic procedures, alternative therapies not listed in the policy, and any condition showing signs during waiting periods are excluded.
Is there a waiting period before coverage starts?
Yes, AAA pet insurance applies waiting periods: typically 2 days for accidents, 14 days for illnesses, and 6 months for orthopedic conditions in dogs (this may be shortened with a specific orthopedic exam). Claims for incidents occurring during these waiting periods will not be reimbursed.
Do I need to pay veterinary bills upfront with AAA?
With AAA pet insurance, there is no direct pay or “payvet” system in place. You are required to pay all veterinary costs upfront at the clinic. Afterward, you can submit your claim along with detailed invoices to AAA for reimbursement according to your contract coverage and terms.
How do I cancel my AAA pet insurance contract?
To cancel your AAA pet insurance, you simply need to notify AAA in writing (by email, mail, or via your online account). There is no mandatory notice period; cancellation takes effect immediately or at the date you specify. Include your policy number and, if requested, a signed cancellation request.
What is covered by the AAA pet insurance policy?
AAA pet insurance covers veterinary costs related to accidents and, if selected and after a vet exam, illnesses. Covered expenses typically include exams, surgery, hospitalization, prescription medications, diagnostic tests, and some behavioral therapies, subject to annual limits, deductibles, and exclusions listed in your policy.
What conditions are excluded from coverage?
Pre-existing conditions are not covered by AAA pet insurance. Additionally, preventive care (like vaccines, spaying/neutering, dental cleaning for prevention), grooming, elective or cosmetic procedures, alternative therapies not listed in the policy, and any condition showing signs during waiting periods are excluded.
Is there a waiting period before coverage starts?
Yes, AAA pet insurance applies waiting periods: typically 2 days for accidents, 14 days for illnesses, and 6 months for orthopedic conditions in dogs (this may be shortened with a specific orthopedic exam). Claims for incidents occurring during these waiting periods will not be reimbursed.
