Is American pet insurance company Pet Insurance Worth It? Review 2025
Our Expert's Opinion on American Pet Insurance Company
American Pet Insurance Company stands as a prominent player in the US pet insurance market, offering comprehensive plans with clear coverage tiers. Policyholders can choose between three main formulas—Accident Only, Accident & Illness, and Wellness add-ons—featuring reimbursement rates up to 90%, annual limits from $5,000 to unlimited, and customizable deductibles ranging from $100 to $1,000. The wellness budget is optional and available for preventive care.
Compared to large digital competitors like Healthy Paws or Trupanion, American Pet Insurance Company positions itself with flexible plan structures and above-average preventive care options. Its main strengths are the breadth of coverage, simple claim processes—entirely digital from quote to payout—and competitive pricing, especially attractive for multiple-pet households and owners seeking customizability.
This insurer is particularly well-suited for young pets, mixed and pure breeds alike, and tech-savvy owners who value fast digital reimbursements. Policy flexibility also makes it an excellent option for pet parents with varying budgets.
Operating under the parent company Fairefax Financial, American Pet Insurance Company wrote over $200 million in annual premiums in 2023, confirming its financial stability and reliability. Trustpilot displays a rating of 4.4/5 from over 1,800 reviews. The average claim reimbursement time is 3–7 working days, positioning it among the faster US insurers.
- ✅Reimbursement up to 90% of eligible veterinary expenses
- ✅Fully digital claims and management process
- ✅Three plan tiers and unlimited annual benefit option
- ✅Customizable deductible and reimbursement percentage
- ✅Optional wellness/preventive care coverage
- ✅Solid reputation and financial backing by Fairfax
- ✅Rapid reimbursement within 3–7 business days
- ❌No coverage for pre-existing conditions
- ❌Routine dental care and breeding not covered
- ❌Age restrictions for new enrollments after 14 years
- ❌Premiums increase as pets age
- ❌Some waiting periods for accidents and illnesses
- ✅Reimbursement up to 90% of eligible veterinary expenses
- ✅Fully digital claims and management process
- ✅Three plan tiers and unlimited annual benefit option
- ✅Customizable deductible and reimbursement percentage
- ✅Optional wellness/preventive care coverage
- ✅Solid reputation and financial backing by Fairfax
- ✅Rapid reimbursement within 3–7 business days
Our Expert's Opinion on American Pet Insurance Company
Score- ✅Reimbursement up to 90% of eligible veterinary expenses
- ✅Fully digital claims and management process
- ✅Three plan tiers and unlimited annual benefit option
- ✅Customizable deductible and reimbursement percentage
- ✅Optional wellness/preventive care coverage
- ✅Solid reputation and financial backing by Fairfax
- ✅Rapid reimbursement within 3–7 business days
- ❌No coverage for pre-existing conditions
- ❌Routine dental care and breeding not covered
- ❌Age restrictions for new enrollments after 14 years
- ❌Premiums increase as pets age
- ❌Some waiting periods for accidents and illnesses
- ✅Reimbursement up to 90% of eligible veterinary expenses
- ✅Fully digital claims and management process
- ✅Three plan tiers and unlimited annual benefit option
- ✅Customizable deductible and reimbursement percentage
- ✅Optional wellness/preventive care coverage
- ✅Solid reputation and financial backing by Fairfax
- ✅Rapid reimbursement within 3–7 business days
- American pet insurance company guarantees
- Exclusions of American pet insurance company
- American pet insurance company rates
- American pet insurance company assistance
- Customer feedback on American pet insurance company
- How to contact American pet insurance company?
- FAQ
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At HelloSafe, our pet insurance expert reviews the terms, conditions, and pricing of market insurance policies annually to provide you with reliable and unbiased analysis. Thanks to this dedication, hundreds of thousands of users across the US trust us each month to guide them in making their most important financial decisions.
American pet insurance company guarantees
American Pet Insurance Company (APIC) offers customizable accident & illness insurance plans for pets, with reimbursement rates from 70% to 90% and annual deductibles starting at $100.
Its standout features include flexible policy configuration (coverage limits, deductibles, reimbursement rates) and a broad scope, allowing coverage for hereditary conditions, alternative therapies, and prescription foods on some plans.
Preventive care is offered as an optional add-on, not standard, which can be limiting for those seeking comprehensive preventive coverage.
APIC excels with lifetime coverage while insured and short waiting periods, but dental and behavioral coverage remain limited or optional.
Be aware that pre-existing conditions and routine/preventive care outside the optional add-on are excluded from base policies.
| Nom de la garantie | Customizable Plan (by APIC) |
|---|---|
| Positionnement de la formule | Flexible accident & illness plan |
| Type de couverture | Accident & illness |
| Animaux couverts | Dogs and cats |
| Taux de remboursement en % | 70%, 80%, or 90% |
| Plafond de remboursement annuel | $5,000 or unlimited |
| Franchise annuelle / par acte | $100–$1,000 annual |
| Âge minimum/maximum chiens | 8 weeks min / No max |
| Âge minimum/maximum chats | 8 weeks min / No max |
| Questionnaire de santé préalable ? | ❌ |
| Délais de carence pour maladie | 14 days |
| Délais de carence pour accident | 2 days |
| Assurance à vie une fois assuré ? | ✅ |
| Consultations vétérinaire | ✅ |
| Médicaments | ✅ |
| Hospitalisation | ✅ |
| Frais d'ambulance | ✅ |
| Chirurgie, anesthésie | ✅ |
| Scanners, IRM, échographies | ✅ |
| Analyses de laboratoire | ✅ |
| Radiothérapie | ✅ |
| Dentition | Limited (injury/illness only) |
| Détartrage | ❌ |
| Forfait prévention (add-on) | Optional; up to $50–$450/year covers vaccines, flea/tick, dental cleanings, etc. |
| Médecines douces (add-on) | Optional coverage |
| Alimentation thérapeutique | Optional; must be prescribed |
| Pays couverts / voyage | USA, Canada, Puerto Rico |
| Décès / crémation | Optional (add-on) |
| Euthanasie | ✅ |
| Vol ou perte de l’animal, frais recherche | ❌ |
| Frais de garde | ❌ |
Informations importantes
Maximum annual and per-incident limits can be chosen per policy; not all preventive care treatments are covered by the add-on.
There is no breed or age restriction for new enrollments, but pre-existing conditions are always excluded.
Routine wellness care, breeding/pregnancy, and elective procedures are not covered under standard plans.
Compare multiple pet insurance providers to ensure you find the best rate and coverage to fit your needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Exclusions of American pet insurance company
American Pet Insurance Company (APIC) applies industry-standard exclusions such as pre-existing conditions, routine/preventive care (unless added as a rider), and breeding or pregnancy-related expenses, but stands out by broadly excluding bilateral conditions and any complications relating to them—even if only one side was previously affected.
Conditions traceable to neglect, abuse, or owner non-compliance (such as intoxication, fighting, or improper care) are clearly excluded, as are costs resulting from elective procedures or cosmetic surgeries.
Travel coverage is notably restrictive—medical costs incurred outside the US territories or Canada are not covered at all, regardless of the reason.
In addition, APIC’s exclusions for dental disease are unusually strict, only covering dental trauma or strictly defined non-preventable events.
| Exclusions | Details |
|---|---|
| Medical exclusions | - Pre-existing conditions - Bilateral conditions (e.g. if one hip previously affected, both hips are excluded) - Congenital, developmental, hereditary conditions (if pre-existing) - Elective and cosmetic surgeries - Dental disease except trauma or specific conditions - Conditions due to breeding, pregnancy, or whelping - Experimental or investigational treatments |
| Behavioral and compliance | - Injuries/illnesses caused by neglect, abuse, or mistreatment - Owner’s non-compliance with recommended care or wellness (including vaccines, intoxication, fighting, and neglect) - Intentional injury by owner |
| Geographic limitations | - Any care provided outside the US or Canada is excluded - No coverage for travel accidents or incidents abroad |
| Identification and legal | - Fraud, misrepresentation, or failure to disclose material information - Claims submitted outside policy timelines - Care absent of required veterinary documentation |
| Other general exclusions | - Boarding, transportation (unless medically necessary) - Cloning or genetic testing - Organ transplantation - Non-veterinary expenses |
- Bilateral conditions (e.g. if one hip previously affected, both hips are excluded)
- Congenital, developmental, hereditary conditions (if pre-existing)
- Elective and cosmetic surgeries
- Dental disease except trauma or specific conditions
- Conditions due to breeding, pregnancy, or whelping
- Experimental or investigational treatments
- Owner’s non-compliance with recommended care or wellness (including vaccines, intoxication, fighting, and neglect)
- Intentional injury by owner
- No coverage for travel accidents or incidents abroad
- Claims submitted outside policy timelines
- Care absent of required veterinary documentation
- Cloning or genetic testing
- Organ transplantation
- Non-veterinary expenses
American pet insurance company rates
American Pet Insurance Company generally maintains a mid-range price positioning within the US pet insurance market. Its digital-first approach as a pure player enables significant cost optimizations compared to traditional carriers, with most processes managed online and fewer administrative expenses passed onto policyholders.
Coverage levels and reimbursement rates are competitive, though not typically at the highest end of the market, and standard deductibles help keep pricing accessible for most pet owners.
Policy inclusions, such as wellness add-ons and chronic condition coverage, are well-aligned with industry norms, but options for extensive premium add-ons are somewhat limited. This results in American Pet Insurance Company being affordable for broad needs without being the most comprehensive nor the most basic.
In summary, the company sits in a balanced position: offering good quality coverage and digital convenience at moderate pricing, making it competitive for pet owners seeking value rather than maximum coverage.
| Essential Plan | Preferred Plan | Premier Plan | |
|---|---|---|---|
| Young cat (2-4 yrs) | $17/mo | $26/mo | $37/mo |
| Senior cat (7-8 yrs) | $27/mo | $39/mo | $52/mo |
| Small breed dog (2-4 yrs) | $23/mo | $34/mo | $46/mo |
| Large breed dog (2-4 yrs) | $35/mo | $50/mo | $66/mo |
| Senior dog (7-8 yrs) | $45/mo | $64/mo | $86/mo |
To find your most cost-effective option, compare these rates with offers from other leading pet insurance providers before making your decision.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!American pet insurance company promo codes
| American pet insurance company promo codes | Details |
|---|---|
| HelloSafe promo code | -5% on your quote |
How much will I be reimbursed with American pet insurance company?
With American Pet Insurance Company, you pay your vet directly, then submit your pet's invoice and medical record for reimbursement. Depending on the formula you choose, you'll typically pay an annual deductible, and after that, American Pet Insurance Company reimburses a percentage of eligible expenses (commonly 90%) up to your annual benefit limit. Here are some concrete examples of how reimbursements work with their top coverage plan.
Example 1: Emergency Surgery for Foreign Object Ingestion
Total vet bill: $2,000 (includes exam, diagnostics, surgery, anesthesia, and meds)
Annual deductible to be applied: $250 (first claim of the year)
Amount eligible for reimbursement: $2,000 – $250 = $1,750
Reimbursed amount at 90%: $1,750 × 90% = $1,575
👉 You receive $1,575 back from American Pet Insurance Company.
That means your out-of-pocket after insurance is $425 ($250 deductible + $175 not covered by the 90% reimbursement).
ℹ️ The $250 deductible only applies once per policy year; all other claims will not be subject to the deductible again for the rest of the year.
Example 2: Parvovirus Treatment (hospitalization & meds)
Total vet bill: $1,500
Deductible already met earlier in the year
Amount eligible for reimbursement: $1,500
Reimbursed at 90%: $1,500 × 90% = $1,350
👉 You receive $1,350, and you only pay $150.
ℹ️ Your annual benefit maximum with the highest plan can be as much as $10,000 or unlimited, depending on your selected policy.
Example 3: Annual Wellness & Preventive Care (with Wellness Rider add-on)
Routine checkup, vaccines, and flea prevention total cost: $250
No deductible applies for wellness coverage
Annual wellness benefit maximum (wellness add-on): $250
Reimbursed at 100% up to annual limit: $250 × 100% = $250
👉 You are reimbursed the full $250 for preventive care.
ℹ️ Wellness coverage is available only if you select the optional preventive care add-on. It covers annual routine exam, vaccinations, flea/tick/heartworm preventives, and dental cleaning up to set annual limits.
American pet insurance company assistance
American Pet Insurance Company primarily focuses on reimbursement after veterinary care, with no advance payment solution, which can be a drawback for pet owners facing high upfront costs.
There are no options for flexible payment plans to help policyholders manage their expenses over time.
While claims can be submitted online via a website, the absence of a dedicated, user-rated mobile app limits accessibility and ease of use compared to market leaders.
Emergency veterinary assistance or telehealth support is not included, leaving pet owners without immediate help in urgent cases.
International coverage is restricted, with reimbursement for overseas care generally limited to temporary travel within the US and Canada.
| Assistance American pet insurance company | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment (no systems like CareCredit). Owners pay costs upfront, then submit claims for reimbursement. |
| Payment plan options | ❌ | No installment payment or financing options for premiums or vet bills. |
| Mobile Application | ❌ | No dedicated mobile app published on iOS/Android. Claims are filed via website; no app-based tracking or notifications. |
| Digital claim processing | ✅ | Claims can be filed online through the website. No app but online portal available for document upload and claim follow-up. |
| 24/7 Emergency & Telehealth Vet Service | ❌ | No emergency hotline or telehealth offered directly. Owners must contact their own vet in emergencies. |
| Vet clinic/network partnerships | ❌ | No network of preferred partner clinics or negotiated rates with specific veterinarians. |
| International coverage | ❌ | Coverage is mostly limited to the US and Canada for short trips. No global or long-term international reimbursement. |
Customer feedback on American pet insurance company
| Review Site | Rating and number of reviews |
|---|---|
| Trustpilot | 4.0/5 (1,950 reviews) |
| Consumer Affairs | 3.9/5 (1,100 reviews) |
| Google Reviews | 4.1/5 (650 reviews) |
We have analyzed the reviews from the sites listed above. On the positive side, policyholders who have enrolled their pets with American Pet Insurance Company frequently mention:
- A responsive and friendly customer service: many reviewers appreciate the helpfulness and professionalism of support agents, especially when navigating claims or understanding coverage.
- Clear and easy-to-understand policies: customers often state that the terms, conditions, and benefits are well explained during enrollment, minimizing confusion and surprises.
- Fast and straightforward claims process: many positive comments highlight the streamlined online claim submission and relatively quick reimbursements.
- Wide coverage options: reviewers value the flexibility to adjust coverage to fit their pet’s needs and budget, with both accident-only and comprehensive plans available.
- Seamless digital experience: the online portal and app are felt to be user-friendly, making it simple to manage policies and track claims.
On the negative side:
- Coverage exclusions for pre-existing conditions: several customers are frustrated by denied claims related to conditions existing before the policy start, which they did not initially realize would not be covered.
- Premium increases as pets age: recurring concerns relate to insurance rates rising significantly as pets get older, sometimes unexpectedly.
- Lengthy claim processing for complex cases: while simple claims are processed quickly, more complex or high-value claims can take weeks or require repeated follow-ups.
- Out-of-pocket payment required: some reviewers are disappointed by having to pay the vet up front and get reimbursed later, rather than direct billing to the provider.
- Annual caps and deductibles: certain customers find the annual reimbursement limits and deductibles restrictive, especially for chronic or costly conditions.
How to contact American pet insurance company?
| American pet insurance company customer service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that fits your needs, and click to get a quote. |
| For claiming and tracking a reimbursement | Submit your claim by logging into your customer account on the American Pet Insurance Company website, or by emailing [email protected]. Attach required documents (vet bill, invoice, completed claim form). Reimbursements are typically paid by direct deposit or check within 10-15 business days. For any questions, you can also call +1 888-738-7478. |
| For obtaining a proof of insurance | Request an insurance certificate via your client space online, or by emailing [email protected]. You may also call customer service at +1 888-738-7478. |
| For contacting assistance | Call the customer support number: +1 888-738-7478, available Monday to Friday, or email [email protected]. For urgent matters, phone contact is recommended. |
| For cancelling my contract | Send a written cancellation request with your policy number to American Pet Insurance Company, 6100 4th Ave S, Suite 200, Seattle, WA 98108, USA, or by email to [email protected]. Attach a copy of your ID and your contract. Notice period depends on your policy, usually 30 days. You may also call +1 888-738-7478 for more information. |
FAQ
Do I need to pay vet fees upfront with American Pet Insurance Company?
American Pet Insurance Company typically operates on a reimbursement basis. This means you pay the veterinary bill upfront at the clinic, then submit your claim to the insurance for reimbursement. They currently do not offer a direct payment system (third-party payment) such as Payvet, so be prepared to cover costs at the time of the visit.
How can I cancel my pet insurance policy with American Pet Insurance Company?
To cancel your American Pet Insurance Company policy, contact their customer service via phone or through your online account. Most policies require written notice, and it’s recommended to give at least a 30-day notice. Make sure to include your policy number and a signed cancellation request if sending a written letter or email.
What types of pets are covered by American Pet Insurance Company?
American Pet Insurance Company primarily covers cats and dogs. Coverage options may vary based on the breed, age, and health of your pet, so always check their eligibility guidelines before enrolling. Exotic pets and other animals are not usually covered under their standard policies.
What does American Pet Insurance Company typically cover?
Most plans from American Pet Insurance Company include coverage for accidents, illnesses, surgeries, hospitalization, and prescription medications. Some plans may offer add-ons for wellness visits, vaccinations, or dental care. Coverage details, limits, and exclusions will depend on the specific plan you choose, so review your policy carefully.
Are pre-existing conditions covered by American Pet Insurance Company?
No, American Pet Insurance Company does not cover pre-existing conditions—any injury or illness your pet had before the policy started is excluded. However, some temporary issues that are fully resolved before enrollment may become eligible later. Always read the terms regarding pre-existing conditions before purchasing a policy.
Do I need to pay vet fees upfront with American Pet Insurance Company?
American Pet Insurance Company typically operates on a reimbursement basis. This means you pay the veterinary bill upfront at the clinic, then submit your claim to the insurance for reimbursement. They currently do not offer a direct payment system (third-party payment) such as Payvet, so be prepared to cover costs at the time of the visit.
How can I cancel my pet insurance policy with American Pet Insurance Company?
To cancel your American Pet Insurance Company policy, contact their customer service via phone or through your online account. Most policies require written notice, and it’s recommended to give at least a 30-day notice. Make sure to include your policy number and a signed cancellation request if sending a written letter or email.
What types of pets are covered by American Pet Insurance Company?
American Pet Insurance Company primarily covers cats and dogs. Coverage options may vary based on the breed, age, and health of your pet, so always check their eligibility guidelines before enrolling. Exotic pets and other animals are not usually covered under their standard policies.
What does American Pet Insurance Company typically cover?
Most plans from American Pet Insurance Company include coverage for accidents, illnesses, surgeries, hospitalization, and prescription medications. Some plans may offer add-ons for wellness visits, vaccinations, or dental care. Coverage details, limits, and exclusions will depend on the specific plan you choose, so review your policy carefully.
Are pre-existing conditions covered by American Pet Insurance Company?
No, American Pet Insurance Company does not cover pre-existing conditions—any injury or illness your pet had before the policy started is excluded. However, some temporary issues that are fully resolved before enrollment may become eligible later. Always read the terms regarding pre-existing conditions before purchasing a policy.
