AA Pet Insurance


19 of 24 insurers by customers

The AA no longer offer pet insurance to new customers. 


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The AA offer 6 levels of cover for cats and dogs: Their Accident Only pet insurance policy covers claims relating to accidents or injuries only. The vet fee limit is £2,000 renewable annually with £1million Third Party Liability (dogs only) and the policy covers other treatment types and diagnostic test types but payout limits vary. There are lower claim limits for complementary treatments, scans, cruciate ligament injuries and dentistry claims.

Their Maximum Benefit policy options cover accidents and illnesses with vet fees covered up to £1,000 maximum benefit per each condition in their Bronze cover policy, £3,000 maximum benefit per each condition for Silver policy cover and £5,000 maximum benefit per each condition in the Gold cover policy. There are varying payout limits for some treatment types, diagnostic test types and conditions alongside the limits on the policy selected. Once the payout limit for each condition is reached that condition is no longer covered by the policy.

The AA Lifetime cover policy options offer cover for vet fee limits of £3,000 renewable cover with the Silver Plus cover and £5,000 renewable vet fee cover on the Gold Plus plan. The Lifetime policies cover on-going conditions as long as the policy is renewed and there is no break in cover.


The excess is £100. If pet is over 6 years the excess applies to each illness or accident plus you pay 20% of the remaining costs of treatment. £250 excess on Dog third party liability cover.

Age Limits

8 weeks to 8 years + Cover reduces for pets over 8 years of age.

Waiting Period

24 hours for accidents, 10 days for illness from policy inception.

Additional Policy Information
Please note

Policies are subject to exclusions and conditions so please always consult the insurer's policy documents before you buy. 

Pet Insurance Review compiles the latest Policy information and general company information from each insurers website with the information gathered on the date shown. We make every effort to ensure the information is correct but cannot be held responsible for any inaccuracies.  

Company info

The AA offer pet health insurance for cats and dogs which is administered by Ultimate Pet Partners Ltd. You can choose from 6 levels of cover from Accident Only to Gold Plus Lifetime cover with up to £5,000 cover for vet fees per condition. They offer a vet advice line 24 hours a day, and a free vet finder service. They provide some cover for advertising your lost pet on all plans except Accident Only, with online claims submission and tracking. 

AA Pet Insurance Reviews

Insurer: AA Pet Insurance
Posted: 05/06/2020

Been with the AA for a few years now never had a claim just received my new insurance quote, premium has been increased nearly £430.00 a year.
Now almost £2000 a year to insure my dog decided not to insure him anymore just feel that they are ripping the...


Bernese Mountain Dog

Insurer: AA Pet Insurance
Clare Knight
Posted: 23/02/2019

I wouldn't bother insuring your animal with the AA as they won't pay out. They expect you to leave your animal in pain all weekend as they don't pay out for out of hours vets fees (ANIMAL CRUELTY COMES TO MIND) just want your money but won't pay out for a...


Mixed Breed