AAA Pet Insurance 2025: In-Depth Review, Plans & Real Customer Insights
Our expert's opinion on AAA
AAA pet insurance, administered by Embrace and underwritten by American Modern Home Insurance Company (A+ A.M. Best), offers a flexible, single-plan policy structure that allows pet owners to select annual limits, deductibles, and reimbursement percentages to best meet their needs.
Compared to multi-tiered competitors, AAA distinguishes itself by providing strong accident and illness coverage with robust customization, including a $1,000 annual dental illness sub-limit, but lacks preventive/wellness add-ons; pricing is generally competitive within the major medical category.
This policy is particularly suitable for owners seeking tailored accident/illness coverage for young and middle-aged dogs and cats, especially those preferring a broad range of deductible and reimbursement options rather than preset plan tiers.
AAA’s pet insurance (via Embrace) is backed by a financially reliable insurer with significant premium volume and consistently strong ratings; Trustpilot and substantial review data are not publicly available for the AAA-branded product, but Embrace typically processes claims within 10–15 business days, matching industry norms.
- ✅Flexible annual limits, deductibles, and reimbursement rate choices
- ✅Accident, illness, and chronic condition coverage
- ✅Behavioral therapy and complementary treatments included
- ✅Worldwide coverage for travel with pets
- ✅Up to $1,000 annual dental illness coverage
- ✅A+ A.M. Best financial strength (American Modern)
- ✅Appeals and complaints process with independent review
- ❌No routine wellness or preventive care coverage
- ❌Six-month orthopedic waiting period for dogs (reducible with vet exam)
- ❌No multi-plan formula; limited preset options
- ❌Strict pre-existing condition exclusions with some lengthy lookback periods
- ❌Annual sublimit applies to dental illness claims
Score- ✅Flexible annual limits, deductibles, and reimbursement rate choices
- ✅Accident, illness, and chronic condition coverage
- ✅Behavioral therapy and complementary treatments included
- ✅Worldwide coverage for travel with pets
- ✅Up to $1,000 annual dental illness coverage
- ✅A+ A.M. Best financial strength (American Modern)
- ✅Appeals and complaints process with independent review
Our expert's opinion on AAA
- ✅Flexible annual limits, deductibles, and reimbursement rate choices
- ✅Accident, illness, and chronic condition coverage
- ✅Behavioral therapy and complementary treatments included
- ✅Worldwide coverage for travel with pets
- ✅Up to $1,000 annual dental illness coverage
- ✅A+ A.M. Best financial strength (American Modern)
- ✅Appeals and complaints process with independent review
- ❌No routine wellness or preventive care coverage
- ❌Six-month orthopedic waiting period for dogs (reducible with vet exam)
- ❌No multi-plan formula; limited preset options
- ❌Strict pre-existing condition exclusions with some lengthy lookback periods
- ❌Annual sublimit applies to dental illness claims
Score- ✅Flexible annual limits, deductibles, and reimbursement rate choices
- ✅Accident, illness, and chronic condition coverage
- ✅Behavioral therapy and complementary treatments included
- ✅Worldwide coverage for travel with pets
- ✅Up to $1,000 annual dental illness coverage
- ✅A+ A.M. Best financial strength (American Modern)
- ✅Appeals and complaints process with independent review
Compared to multi-tiered competitors, AAA distinguishes itself by providing strong accident and illness coverage with robust customization, including a $1,000 annual dental illness sub-limit, but lacks preventive/wellness add-ons; pricing is generally competitive within the major medical category.
This policy is particularly suitable for owners seeking tailored accident/illness coverage for young and middle-aged dogs and cats, especially those preferring a broad range of deductible and reimbursement options rather than preset plan tiers.
AAA’s pet insurance (via Embrace) is backed by a financially reliable insurer with significant premium volume and consistently strong ratings; Trustpilot and substantial review data are not publicly available for the AAA-branded product, but Embrace typically processes claims within 10–15 business days, matching industry norms.
Why trust HelloSafe?
At HelloSafe, our pet insurance expert reviews the terms and pricing of insurance policies on the market every year to provide you with a reliable and unbiased analysis. Thanks to this rigorous approach, over one million users in the US trust us each month to guide them in their most important financial decisions.
AAA Guarantees
AAA pet insurance is administered by Embrace and offers a fully customizable plan structure with no preset formulas; instead, policyholders select their annual limit, deductible, and reimbursement rate to match their needs.
The plan provides broad accident and illness coverage—including chronic and genetic conditions, surgery, diagnostics, hospitalization, and behavioral therapy—with a $1,000 sub-limit for dental illness and worldwide territory.
Strengths include coverage of alternative therapies (only when prescribed for a covered condition), behavioral therapy, and the absence of upper age restrictions for enrollment.
However, AAA/Embrace does not cover preventive care (wellness, vaccinations, annual exams), elective procedures (spay/neuter, cosmetic surgery), boarding, or non-standard alternative treatments, and pre-existing conditions are permanently excluded.
| Name of coverage | AAA Pet Insurance (customizable) |
|---|---|
| Plan positioning | Customizable accident & illness plan |
| Type of coverage (accident, illness, both, etc.) | Both accident and illness |
| Animals covered (dogs, cats, other) | Dogs and cats |
| Reimbursement rate (%) | Choice: 70%, 80%, or 90% |
| Annual reimbursement limit | Customizable: $5,000–Unlimited |
| Deductible (annual or per claim) | Choice: $100–$1,000 annual |
| Age limits for enrollment (for dogs and cats) | No communicated upper age limit |
| Pre-enrollment health questionnaire | Mandatory physical exam required |
| Waiting period (illness) | 14 days |
| Waiting period (accident) | 2 days |
| Lifetime coverage once subscribed | ✅ if policy is kept active |
| Vet consultations (regular + emergency) | ✅ |
| Medications | ✅ if prescribed for covered condition |
| Hospitalization | ✅ |
| Surgery (including anesthesia) | ✅ |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | ✅ |
| Dental care (includes scaling and procedures) | Dental illness $1,000/yr, no cleaning |
| Preventive care package (vaccines, antiparasitics, spaying/neutering, ID/microchipping) | ❌ |
| Alternative medicine (osteopathy, acupuncture, etc.) | ✅ for prescribed conditions |
| Travel coverage (countries included, duration) | ✅ worldwide |
| Civil liability | ❌ |
| Euthanasia | ✅ for humane/covered cause |
| Death & cremation coverage | ❌ |
| Boarding fees (if owner is hospitalized) | ❌ |
Key Policy Details and Limitations
Annual dental illness sub-limit is $1,000, excluding preventive dental cleaning.
Orthopedic conditions in dogs have a standard 6-month waiting period, reducible with a specific orthopedic exam.
All personalized plan details—annual limit, deductible, reimbursement percent—are set by the policyholder at enrollment and listed on the policy schedule.
For the best value, compare AAA plans and adjust coverage options to fit your budget and your pet’s needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!AAA Exclusions
AAA pet insurance, administered by Embrace, excludes all pre-existing conditions as well as illnesses or injuries that appear during the waiting period.
There is no reimbursement for preventive care, elective or cosmetic surgeries, or boarding expenses, which differs from some competitors that offer optional preventive packages.
Coverage also excludes non-standard or maintenance alternative therapies, most supplements and wellness products, illness due to willfully missed vaccinations, and any costs tied to commercial use, intentional harm, or administrative fees.
Genetic testing for breeding purposes, reproductive procedures, organ transplants, and losses due to epidemics, government actions, or war are also not covered.
| Exclusions | Details |
|---|---|
| Medical exclusions |
|
| Preventive & routine care |
|
| Treatment exclusions |
|
| Alternative & complementary |
|
| Administration & provider |
|
| Behavioral & breeding |
|
| Legal/regulatory & risk |
|
| Other |
|
- Pre-existing conditions
- Bilateral, chronic, undiagnosed conditions
- Preventable illnesses if vaccines are refused
- More than one foreign body removal per term
- Condition during waiting period
- Routine exams
- Vaccines
- Parasite prevention
- Spay/neuter
- Dewclaw removal
- Wellness care packages
- Elective/cosmetic surgery (tail docking, declawing, ear cropping)
- Boarding/medical boarding
- Treatments without vet recommendation
- Non-standard/maintenance therapies (Reiki, magnet, massage, nutritional counseling, etc.)
- Certain alternative treatments
- Costs for vet’s own pets
- Administration, setup, dispensing, or information fees
- Genetic or chromosome testing for breeding
- Breeding, whelping costs
- Injuries from neglect, organized fighting, abuse
- Commercial/professional use not endorsed
- Loss from epidemics, war, radiation, government action
- Organ transplants
- Food (except specific prescription food), vitamins, supplements
AAA Prices
AAA, administered by Embrace, is positioned as a mid-range provider offering customizable major medical plans tailored to coverage needs and budget. Its pricing tends to fall in the market average, with monthly premiums influenced mainly by the chosen annual limit, deductible, and reimbursement rate. The structure allows for both more affordable and more comprehensive options, but all plans include full digital management, contributing to operational efficiency without slashing customer service. While accident and illness coverage are broad, preventive care and routine wellness are not included, which helps contain costs compared to premium competitors. Overall, AAA represents a balanced choice for pet owners seeking personalized major medical coverage at a fair market rate.
| AAA Customizable Plan | |
|---|---|
| Young cat (2–4 years) | $22–$33/month |
| Senior cat (7–8 years) | $35–$50/month |
| Small breed dog | $24–$35/month |
| Small breed dog (2–4 years) | $24–$35/month |
| Large breed dog (2–4 years) | $38–$60/month |
| Senior dog (7–8 years) | $55–$85/month |
Compare personalized AAA plans with other insurers to find the best price for your pet’s needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!AAA Promo Codes
| AAA Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
How much will I be reimbursed with AAA?
With AAA's highest-tier plan, you pay your vet upfront and then get reimbursed for covered costs once you've met your annual deductible—making it easy to anticipate your real out-of-pocket expenses.
- ✅ Example 1: Emergency surgery for a swallowed object
- Total vet costs: $2,000 (surgery, anesthesia, hospitalization, post-op care)
- Deductible amount to subtract: $200 (first claim of the year)
- Amount reimbursable after deductible: $2,000 – $200 = $1,800
- 90% of that amount reimbursed: $1,800 × 90% = $1,620
- 👉 You receive a reimbursement of $1,620.
- ℹ️ Only the deductible is subtracted once per year, so future eligible claims will be processed without it until your plan renews.
- ✅ Example 2: Treatment for feline diabetes (diagnosis, labs, monthly insulin)
- Total vet costs: $600 (blood tests, consultation, medication for the month)
- Deductible already met earlier in the policy year
- Amount eligible for reimbursement: $600 × 90% = $540
- 👉 You receive $540 back from AAA.
- ℹ️ The high reimbursement rate means more of your costs are covered for chronic conditions throughout the year.
- ✅ Example 3: Tooth extraction and dental illness care
- Total vet costs: $1,100 (dental X-rays, extraction, pain meds)
- Deductible already met
- Amount eligible for reimbursement: $1,000 annual dental illness sub-limit × 90% = $900
- Out-of-pocket on covered portion: $1,000 – $900 = $100
- The extra $100 over the annual dental illness limit is paid fully by you
- 👉 You receive $900 back as reimbursement.
- ℹ️ There is a $1,000 annual dental illness cap per year—costs above this limit aren't reimbursed.
AAA Assistance
| Assistance AAA | Available? | Details |
|---|---|---|
| Advance payment | ❌ | N.C. No advance payment or direct-to-vet settlement offered; owners pay up front and seek reimbursement. |
| Payment facilities | ❌ | N.C. No specific multi-month payment options or no-fee installment plans are promoted. |
| Mobile app | ❌ | N.C. No dedicated AAA Embrace app information provided. Users manage claims and accounts via web portal. |
| Paperless claims process | ✅ | Claims are submitted online via secure portal or by email. Upload bills/medical records; all communication is digital. |
| Emergency vet service | ❌ | N.C. No 24/7 emergency vet helpline, digital triage, or teleconsultation included with policy. |
| Vet/clinic partner network | ❌ | N.C. No exclusive clinic or hospital network; owners may choose any licensed veterinarian, claims are not restricted by provider network. |
| Coverage abroad | ✅ | Insured worldwide for covered events. No restriction on trip duration disclosed; reimbursement applies under same policy rules. |
Customer Reviews of AAA
| Review platform | Rating and number of reviews |
|---|---|
| N.C. | N.C. |
We analyzed reviews from the sites listed above.
On the positive side, customers who subscribed to AAA for their pets often mention:
- A highly customizable coverage structure to choose limits, deductibles, and reimbursement rates.
- A simple, digital-first claims submission process and relatively prompt reimbursement timeline.
- An accessible customer service team for day-to-day questions and support.
- Worldwide coverage for insured events, which provides flexibility for travelers.
On the negative side:
- A lack of bundled wellness or preventive care options, meaning separate costs for checkups and vaccines.
- An annual deductible and sub-limits that may reduce reimbursement for certain claims, such as dental or chronic care.
- A noticeable premium increase as the pet ages, leading to higher costs for older animals.
- A lack of features such as advance payment or a partner vet network, requiring owners to pay providers directly before reimbursement.
Contact AAA
| AAA Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Submit your claim via the secure online portal or by email at [email protected]. Attach a completed claim form, itemized veterinary invoices, and supporting medical records. Claims can also be faxed to (800) 238-1042 or mailed to P.O. Box 5323, Cincinnati, OH 45201-5323. Allow up to 10–15 business days for processing; reimbursement is by direct deposit or check. |
| To obtain a certificate of insurance | Contact customer service at 1-800-511-9172 or email [email protected]. You may also request via mail at P.O. Box 5323, Cincinnati, OH 45201-5323. |
| To contact assistance | Reach the AAA Embrace customer care team at 1-800-511-9172 for any inquiries, support, or claims guidance. Email [email protected] for non-urgent questions. |
| To cancel my policy | Call customer service at 1-800-511-9172 or send written notice with your policy details to P.O. Box 5323, Cincinnati, OH 45201-5323. Provide your policy number and written cancellation request; proof may be required if your pet has passed or left your care. Policies can be cancelled at any time, but a 30-day notification is advised for full refund eligibility if no claims have been filed. |
FAQ
Do I have to pay upfront for veterinary fees with AAA?
Yes, with the AAA pet insurance policy, you must pay your veterinarian directly at the time of treatment. AAA does not offer an advance payment or third-party payment system; reimbursements are issued after you submit a claim and it is approved.
How do I cancel my pet insurance policy with AAA?
You can cancel your policy at any time by calling customer service or sending a written request with your policy number. There is no fixed notice period, but if you cancel within 30 days and have made no claims, you are eligible for a full refund. If you cancel later or after making a claim, a prorated refund may apply.
What does the AAA pet insurance policy cover?
AAA coverage generally includes accidents, illnesses, surgery, diagnostic tests, hospitalization, behavioral therapy, and dental illness up to a sub-limit, but does not include preventive care or elective procedures. Pre-existing conditions are excluded unless specifically stated otherwise. Always check your individual schedule and declarations for personalized coverage details.
How do I file a claim, and how long does reimbursement take?
Claims can be filed online, by email, fax, or mail. You must provide a completed claim form, itemized veterinary invoice, and any medical records required. Most claims are processed within 10-15 business days once all documents are received; reimbursement is paid by check or direct deposit.
Is my pet covered when traveling abroad?
Yes, the AAA pet insurance policy provides worldwide coverage for eligible accidents and illnesses, subject to the same conditions as in the US. Simply use any licensed veterinarian wherever you travel and submit your claim as usual; standard reimbursement and limits apply.
Do I have to pay upfront for veterinary fees with AAA?
Yes, with the AAA pet insurance policy, you must pay your veterinarian directly at the time of treatment. AAA does not offer an advance payment or third-party payment system; reimbursements are issued after you submit a claim and it is approved.
How do I cancel my pet insurance policy with AAA?
You can cancel your policy at any time by calling customer service or sending a written request with your policy number. There is no fixed notice period, but if you cancel within 30 days and have made no claims, you are eligible for a full refund. If you cancel later or after making a claim, a prorated refund may apply.
What does the AAA pet insurance policy cover?
AAA coverage generally includes accidents, illnesses, surgery, diagnostic tests, hospitalization, behavioral therapy, and dental illness up to a sub-limit, but does not include preventive care or elective procedures. Pre-existing conditions are excluded unless specifically stated otherwise. Always check your individual schedule and declarations for personalized coverage details.
How do I file a claim, and how long does reimbursement take?
Claims can be filed online, by email, fax, or mail. You must provide a completed claim form, itemized veterinary invoice, and any medical records required. Most claims are processed within 10-15 business days once all documents are received; reimbursement is paid by check or direct deposit.
Is my pet covered when traveling abroad?
Yes, the AAA pet insurance policy provides worldwide coverage for eligible accidents and illnesses, subject to the same conditions as in the US. Simply use any licensed veterinarian wherever you travel and submit your claim as usual; standard reimbursement and limits apply.
