AA - Pet Insurance reviews

Ranked 6 of 20 Pet Insurance providers



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Price band


Quotes our team received:

  • 4-year old Labrador - £16.30 per month
  • 3-year old Bengal - £4.05 per month

Cover details

Choose from six levels of pet insurance

The AA’s pet insurance options range from Accident Only to Gold Plus, which includes generous cover, renewable benefits and up to 30 days overseas travel for your pet. There is a useful guide to the types of benefits available below The claim limit for each insurance option is subject to excesses, which are the amounts you have to pay for each claim.

  • If your pet is under 6 years of age the excess is £100
  • If your pet is 6 years of age or older, the excess is £100 for each illness or injury plus 20% of the remaining cost of the treatment.
  • Third party legal liability is £250
  • There is no excess for accidental damage

The policy booklet has the full terms and conditions. For more information visit The AA’s official website.

Accident OnlyBronzeSiverSilver PlusGoldGold Plus
Benefit type*Renewable benefitMaximum benefitMaximum benefitRenewable benefitMaximum benefitRenewable Benefit
Veterinary fees - per condition£2000£1,000£3,000£3,000£5,000£5,000
Complementary Medicine£250£200£300£300£500£500
Dentistry (Accident & Injury)£2,000£1,000£3,000£3,000£5,000£5,000
Death From Accident or IllnessXX£250£250£1,000£1,000
Accidental DamageXXXX£500£500
Third Party Liability£1,000,000£1,000,000£1,000,000£1,000,000£1,000,000£1,000,000

Your benefits for pet insurance cover levels

Accidental Damage

If your pet causes damage to a third party, for which you’re not legally liable but which you feel a moral obligation to pay for, The AA will pay up to £500.

Advertising or Reward

If your pet is lost or stolen, The AA will pay for local advertising and offer a reward. Cover is up to £100 on Silver or Silver Plus and £250 on Gold or Gold Plus.

Boarding Kennel Fees

If you have to go into hospital for more than 4 consecutive days and are obliged to put your pet into a boarding kennel or cattery, we’ll pay up to £250 on Silver and £1,000 on Gold policies

Early Death

If your pet dies as a result of an accident or from injury or illness, we cover up to £250 on Silver or Silver Plus and £1,000 on Gold or Gold Plus policies.

Healthcare Away From Home

If you and your pet are away from home and your pet needs urgent veterinary care, you may not know who to turn to. The AA offer access to a helpline that will identify the nearest vet for you.

Frequently asked questions

What animals can I insure with the AA?
What types of policy do the AA offer?
Does the AA cover pre-existing conditions?
How long does it take to assess a claim?

About the AA

The AA specialises in breakdown cover and vehicle insurance, but they also offer several other services including:

  • Driving lessons
  • Motoring and travel advice
  • Life, pet and home insurance
  • Credit cards, loans and mortgages

About AA Pet Insurance

With AA Pet Insurance, you can choose from six levels of cover, ranging from Accident Only to Gold Plus. Accident Only will only insure circumstances such as veterinary fees and dentistry, whereas the higher level packages include cover against cancellation, special diet or loss by theft or straying. Please note that the claim limit for each insurance option is subject to excesses:

  • If your pet is under 6 years old the excess is £100
  • If your pet is 6 years old or over the excess is £100 for each illness, plus 20% of the remaining cost of treatment
  • Third party legal liability is £250
  • There Is no excess for accidental damage

You can find out more in the policy Terms and Conditions: http://www.theaa.com/resources/documents/pdf/insurance/pet-insurance-terms-of-business-jul2015.pdf

AA Contact Info

AA Pet Insurance is arranged and administered by Ultimate Insurance Solutions Ltd Registered office: 5th Floor, The Connect Centre, Crescent, Portsmouth, Hampshire, PO2 8DE. Ultimate Insurance Solution Limited is authorised and regulated by the Financial Conduct Authority (FCA) reference number 3111368. Policies are underwritten by Zenith Insurance plc, FCA reference number 211787. Registered office: 846-848 Europort, Gibraltar. Registered in Gibraltar number 84045.

Promotions and Offers

If your are a member of The AA you can save 10% on your pet insurance. If your aren’t already a member, you can sign up here when you purchase breakdown cover: https://www.theaa.com/breakdown-cover/


Call 0800 294 2713 to find out more about cover options for your pet. If you have any questions about your pet insurance policy, you can also call 0330 102 5741. Lines are open Monday to Friday 8am – 9pm and Saturday 9am-2pm.

How To Cancel Your AA Pet Insurance Policy

There are three ways in which you can cancel your pet insurance policy – simply get in touch using one of the following methods:

Please be aware that cancellation charges will apply. You can find out more in your policy Terms & Conditions. When you purchase your pet insurance, you will have a cooling off period of 14 days where you can cancel your policy if you change your mind. If you choose to cancel the policy within these 14 days, The AA will refund your premium after deducting the admin fee. If you choose to cancel your policy after the 14 day period and no claims have been made, The AA will include a pro-rata charge in addition to the cancellation admin fee. If you choose to cancel your pet insurance policy, but have made a claim, you will be charged the remaining premium for the policy year.

How To Make A Claim

If you need to make a claim, The AA has a dedicated pet insurance claims line which you can call: 0330 102 5745. Lines are open Monday to Friday 8am-9pm and Saturday 9am-2pm. Before you call, check that the claim is covered by your policy and make sure you have the following details at hand:

  • Your personal details
  • Your client reference number – you can find this at the top of all correspondence from The AA.

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