Pet Insurance Cover Details

This is an explanation of your benefits for each of the pet insurance cover levels.

Vet's fees

Cover up to £1,000 under Bronze cover, £3,000 under Silver cover and £5,000 under Gold cover. (Cover is provided on a per incident basis). Many insurers limit payments for ongoing conditions to the first 12 months only. The AA will continue to cover conditions without a time limit and, up to the policy limit, subject to cover remaining in force.

Early death

If your pet dies as a result of an accident, or from injury or illness. We cover up to £250 on Silver and £750 on Gold policies. This section does not apply in the case of dogs that are 9 years old or more, and cats that are 11 years old or more.

Advertising/reward

If your pet is lost or stolen, we will pay for local advertising and offer a reward. (Cover is up to £250 on Silver and £750 on Gold).

Theft or straying

If your pet is not recovered in spite of the advertising and reward we will reimburse the purchase price, up to £250 on Silver and £750 on Gold.

Third party liability

If your pet causes damage or injury to a third party and you are legally liable, you are protected from claims up to £1 million, including legal costs. (Not applicable if you are already covered by your household policy.)

Accidental damage

If your pet causes damage to a third party, for which you are not legally liable but which you feel a moral obligation to pay for, we will pay up to £500 (excess is £100 each claim)*.

Boarding kennel fees

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

Holiday cancellation costs

If your pet requires emergency surgery within seven days prior to your departure, we will reimburse holiday cancellation costs up to £250 on Silver and £2,000 on Gold 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 offers access to a helpline which will identify the nearest vet for you.

Bereavement counselling

An understanding, confidential and professional service enabling you to talk for as long as you need to about the death or illness of your pet. Help and advice to address the symptoms brought about by bereavement is available 24 hours a day, 365 days a year.

Pet legal

Lawyers are available to provide advice and explain legal issues in plain English and in a friendly and helpful way 24 hours a day, 365 days a year.

Pet minders

This enables you to locate a registered pet minder (on a national basis) for either a few minutes or even weeks in order to look after your pet while you are away.

 

* This section does not apply in the case of dogs that are 9 years old or more and cats that are 11 years old or more.