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AAA Pet Insurance


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A couple pets their golden retriever, that's covered by AAA pet insurance, on a hiking trail
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What is pet insurance? 

If your pup gets injured or your kitty gets sick, your veterinary costs can climb quickly. Pet insurance can help cover vet bills for your furry friend. After you pay your deductible, most pet insurance for dogs and cats can cover 70, 80, or 90 percent of the cost of veterinary care. Depending on your plan, pet insurance may cover things like vaccinations, medication, and hospital stays.

How does pet insurance work?

With pet insurance, you pay your vet bills upfront and submit a claim for quick reimbursement.

AAA member with English bulldog

1. Visit your vet.

AAA Pet Insurance helps cover the cost of care at all licensed vets in the United States.

AAA member with cat on laptop

2. Submit your claim.

It’s easy to submit and track your claims through your online customer portal.

dog and cat laying on floor

3. Get reimbursed.

Receive reimbursements within 3 to 5 days for most claims.

What coverages are available with AAA Pet Insurance? 

AAA offers robust pet insurance that can help cover a range of vet services.

Coverage1

  • Accidents
  • Injuries
  • Prescription medications
  • Alternative care and treatment
  • Illnesses (excludes pre-existing)
  • Emergency care

Available Discounts2

  • AAA Member Discount: AAA Members may get up to 5% off.
  • Multiple Pet Discount: You may get up to a 2.5% discount when you insure two pets and up to a 5.6% discount for three or more pets.
  • Military Discount:* Members of the military can save up to 5%. 
  • Multi-Policy Discount:** You may get up to 5% off when you also purchase AAA Auto or Home Insurance.

Highlights

  • There are three pricing options, with reimbursement up to 90%.***
  • AAA Pet Insurance provides each covered pet with a $100,000 lifetime limit.
1 Other exclusions may apply. Please refer to the exclusions section of the policy for more information. Pre-existing conditions, hereditary disorders, congenital anomalies or disorders and chronic conditions are excluded.
2 The maximum combined discount allowed is 10%.
* All active and retired military and their immediate family members receive a 5% premium discount on all pet policies.
** AAA Auto Insurance and/or AAA Home Insurance bundle discount is available with Pet Insurance through Companion Protect Agency, LLC (known in California as “CP Pet Insurance Services, LLC” ).
*** Coverage refers to the percentage of a covered loss that the policy will reimburse. Limitations may apply. For more information, read your policy to fully understand your coverage. All claims are subject to a copay and deductible, based on the coverage option selected.
a dog with pet insurance through AAA

Why choose AAA Pet Insurance?

Give your pet access to the care he or she deserves. Here are a few benefits of choosing AAA Pet Insurance:

  • Personalized coverage options to fit your needs and budget 
  • Up to 90% back on vet bills (with the Premier plan)
  • Multiple available discounts 
  • A simple and easy claims process

Contact Us for a Pet Insurance Quote

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AAA MWG serves Alaska, Arizona, Northern California, Montana, Nevada, Utah, and Wyoming.

Insurance premium does not include the price of Membership. Insurance products in California offered through AAA Northern California Insurance Agency, License #0175868, in Nevada by AAA Nevada, in Utah by AAA Utah, in Arizona through AAA Arizona, Inc., License #8301727, Montana through AAA Montana, Inc., License #9756, and in Wyoming through AAA Mountain West Inc., License No. 172603. The provider of AAA Auto and Home Insurance is CSAA Insurance Group, a AAA Insurer. All policies are subject to policy terms, underwriting guidelines and applicable laws. Discounts vary based upon eligibility. Discounts not cumulative; certain restrictions apply.
AAA PET WELLNESS IS NOT AN INSURANCE PRODUCT. Companion Wellness, LLC (“CP Wellness”) administers AAA Pet Wellness on behalf of CSAA Insurance Services LLC. CP Wellness is located at 11460 Tomahawk Creek Parkway, Suite 300, Leawood, Kansas 66211. For a copy of the privacy policy, visit companionprotect.com. CP Wellness has no affiliation with Companion Life Insurance Company or its affiliated companies. Plan fees for AAA Pet Wellness are paid monthly in advance. A service or payment fee may also apply if amounts are paid by EFT or credit/debit card. (See your bill.) Cancellation of a AAA Pet Wellness plan may result in a cancellation fee being assessed.
Information on this page is for CSAA Insurance Group only. AAA also offers pet insurance through other carriers such as Companion Protect, Embrace, and Liberty Mutual. Coverage and benefits vary by carrier.