Pet Insurance

Pet insurance

Choose the level of cover that suits your needs

Pet insurance for your cat or dog

  • Six levels of cover to suit your needs
  • Accident Only cover available
  • Up to £5,000 in vets' fees per condition
  • Vet advice line available 24 hours
  • Money for advertising your lost pet (excluding Accident Only)
  • Monthly payments at no extra cost
  • Online claims submission and tracking
  • Free vet finder service

Choose from six levels of cover

Cover options range from Accident Only, to Gold Plus – which includes generous cover, renewable benefits, and up to 30 days' overseas travel for your pet.

Call us now on 0800 294 2713 and talk to the team about cover options for your pet, including Renewable Benefit Policy, and Maximum Benefit Policy.

Get a quote and buy online

Get a quote

If you've already requested a quote for AA Pet Insurance, you can see your quote again now.

Retrieve a quote

Retrieve quote

Terms and conditions of your pet insurance cover are available online, and we'll send you complete documentation after you have bought your policy.


Pet insurance premiums depend on individual circumstances.

AA Pet Insurance is arranged and administered by Ultimate Pet Partners Ltd, which is an appointed representative of Ultimate Insurance Solutions Ltd. Registered office: 5th Floor, The Connect Centre, Kingston Crescent, Portsmouth PO2 8DE. Registered number 6740793. Ultimate Insurance Solutions Ltd is authorised and regulated by the Financial Conduct Authority (FCA), reference number 311368. You can check their register or call the FCA on 0800 111 6768.

Policies are underwritten by Ultimate Insurance Company Ltd.

Automobile Association Insurance Services Limited. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 2414212.

Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA), reference number 310562. You can check their register or call the FCA on 0800 111 6768.

Find out what's covered

You can choose one of six options for your pet insurance cover. Below is a summary of what you get with each of the six options.

  Accident Only Bronze Silver Silver Plus Gold Gold Plus
Benefit type * Renewable benefit Maximum benefit Maximum benefit Renewable benefit Maximum benefit Renewable benefit
Veterinary fees – per condition £2,000 £1,000 £3,000 £3,000 £5,000 £5,000
Complementary medicine £250 £200 £300 £300 £500 £500
CT/MRI scans and associated costs £500 £250 £750 £750 £1,250 £1,250
Cruciate ligament £500 £500 £3,000 £3,000 £5,000 £5,000
Dentistry as a direct result of accident/injury £2,000 £1,000 £3,000 £3,000 £5,000 £5,000
Special diet Not covered Not covered £100 £100 £100 £100
Death from accident or illness Not covered Not covered £250 £250 £1,000 £1,000
Emergency boarding kennel/cattery fees Not covered Not covered £250 £250 £750 £750
Holiday cancellation Not covered Not covered £250 £250 £2,000 £2,000
Loss by theft or straying Not covered Not covered £250 £250 £750 £750
Accidental damage Not covered Not covered Not covered Not covered £500 £500
Third party liability (dogs only) £1 million £1 million £1 million £1 million £1 million £1 million
Overseas travel Not covered Up to 30 days Up to 30 days Up to 30 days Up to 30 days Up to 30 days

* Subject to cover remaining in force and the original policy limit.

Excesses

The excess amounts shown against the cover are the amounts which you personally will be asked to pay in respect of 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 excess for each illness or injury plus 20% of the remaining cost of the treatment
  • third-party liability £250
  • no excess for accidental damage

Please refer to the full policy wording for complete terms and conditions.

Your benefits for pet insurance cover levels

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.

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 or Silver Plus, and £750 on Gold or Gold Plus.)

Boarding kennel fees

If you have to go into hospital for more than four consecutive 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.

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 £750 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 offers access to a helpline that will identify the nearest vet for you.

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.*

Maximum benefit/limited benefit

There is a financial limit for each new condition the animal may suffer. Each condition is insured until the financial limit has been reached; as long as the insurance policy remains in force there is no time limit on your claim. Once the financial limit has been reached, the medical condition becomes a pre-existing condition and is excluded from future claims.

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.

Renewable benefit

All new medical conditions are insured, up to a set total financial limit each year, as long as the insurance policy remains in force. Where the total financial limit has been reached, no further claims will be paid until the policy is renewed, at which point the limit may be fully reinstated (check with your insurer). An ongoing condition that has reached the total financial limit will continue to be covered in the policy the following year. There is no limit on how many times the condition can be covered in this way, as long as the insurance policy remains in force. This is also known as 'cover for life', or lifetime cover policy'.

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 or Silver Plus, and £750 on Gold or Gold Plus.

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.)

Vetadviceline

For those times when taking your pet to your normal vet is not possible or practical you may contact Vetadviceline's vetenary nurses at any time, who will give you advice about your pet's health and welfare. This service is available 24 hours a day, 365 days a year.

Vet's fees

Cover up to £2,000 under Accident Only, £1,000 under Bronze cover, £3,000 under Silver or Silver Plus cover and £5,000 under Gold or Gold Plus 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. For Bronze, Silver Plus, and Gold Plus the cover is reinstated each year and you can continue to treat your pet for any condition covered for all the time your pet is insured with the AA.


The cover provided by different products can vary considerably. If you are looking for pet insurance you should take care to choose the type of product and the level of cover to meet your needs.

Pet insurance policy documents

If you need more information before you buy, the policy documents have full details of AA Pet Insurance cover.

Policy booklets

The policy booklets contain full terms and conditions for pet insurance cover and include the policy summary, which outline the main features and limits of the cover.

Products purchased on or after 1 November 2013

AA Pet Insurance Policy Booklet for policies purchased on or after 1 November 2013

Products purchased between 6 April and 31 October 2013

AA Pet Insurance Policy Booklet for policies purchased between 6 April and 31 October 2013

Products purchased between 29 June 2012 and 5 April 2013

AA Pet Insurance Policy Booklet for policies purchased between 29 June 2012 and 5 April 2013

Products purchased before 28 June 2012

AA Pet Insurance Policy Booklet for policies purchased before 28 June 2012

The information in the policy booklets is also available in large print, audio and Braille on request. Please call for details. You can also contact us using Text Relay.

About AA Pet Insurance

Products purchased on or after 1 November 2013

Automobile Association Insurance Services Limited introduces customers for AA Pet Insurance exclusively to Ultimate Pet Partners. AA Pet Insurance is arranged and administered by Ultimate Pet Partners.

Terms of business for policies purchased on or after 1 November 2013

Products purchased between 6 April and 31 October 2013

Terms of business for policies purchased between 6 April and 31 October 2013

Products purchased between 29 June 2012 and 5 April 2013

Terms of business for policies purchased between 29 June 2012 and 5 April 2013

Products purchased before 28 June 2012

Terms of business for policies purchased before 28 June 2012

Make the most of your policy

We are unable to provide advice, but here are some points on how to make the most of your pet insurance policy.

  • Ask your veterinary surgeon for an estimate before treatment, and shop around; all vets charge different prices even in a local area. Do your research before accepting the first quote.
  • To find out veterinary prices shop around, as all policies either have a maximum limit per condition or a pot of money for the year for all conditions. This could make your money go further, meaning you can treat your pet for longer.
  • To obtain the best value for money, check medication prices. Ask your vet for a prescription (there will be a charge for this) and you can search the Internet for a UK online pharmacy.
  • When buying your pet, make sure you obtain a signed and dated receipt from the seller with their name and address. Keep this in a safe place.
  • Make sure your pet has regular routine health checks. Often a routine check will pick up any early signs of illness that may require treatment, and in some cases can help prevent an illness. This will help your pet, and could affect the amount of treatment needed. Maintaining your pets' correct weight is also important, as being under or overweight can lead to other illnesses.
  • If you need to make a claim contact us for further instructions.
  • Make sure your veterinary surgeon fills in and signs the claim form before you fill in your part, so you can understand what your vet is claiming for.
  • For any treatment costs over £1,000 contact us at petclaims@ultimateservices.co.uk or telephone us for pre-authorisation. Different referral practices have different prices, so talk to your veterinary surgeon for the different choices you have.
  • Track a claim – you can track your claim online to check progress on your claim. The main status headings are:

    New from customer – online claim notification received and waiting for claim documents
    Awaiting documentation – awaiting claim form and/or supporting documents
    Ready to process – claim is ready to be assessed
    Ready to pay – claim assessed and ready to pay
    Awaiting payment – payment being processed
    Complete settled – claim settled
    Complete declined – claim declined, an email/letter will be sent detailing our reasons.
      Please wait for this before contacting us
    Payable – under excess (complete) – claim not payable as amount under excess
    Returned – claim incomplete, returned to policyholder
    Referral – awaiting any further information or clinical history
  • On some policies there are inner limits for veterinary fees. These are for cruciate ligament, MRI/CT scans and complementary medicine. The reason we have these in place is that the conditions that MRI/CT scans diagnose tend to be complicated and this enables you to have cover at diagnostic stage and treatment for the condition instead of using all your cover for diagnosing the condition. Cruciate ligament cover is restricted to keep your premiums lower.

Existing customers

If you already have an AA Pet Insurance policy, the contact information below will help you manage your policy, and claims issues.

Questions about your policy?

Customer services, telephone 0843 309 1196

Vetadviceline

Help from our specialists – 24 hours, telephone 0843 462 0605

Find a pet sitter

Someone to look after your pet if you're away, telephone 0843 309 1195

Claims information

Make a claim or find out about your existing claim, telephone 0844 561 1625

Useful links

Make and track a claim

Claims info

Find a vet near you

Find a vet

Frequently asked questions

Answers to common queries about AA Pet Insurance

About pet insurance

Is there an age limit on the policy?

Your pet has to be 8 weeks old at the start of cover, and there is no upper age limit. We do not stop offering cover when your pet is older, as long as there has not been a break in cover.

Can I pay for my policy in instalments?

All of our policies are monthly policies which run for 12 consecutive calendar month periods from the start date of the policy. If you want to pay for 12 months at the start of the policy you can and we will provide you with 12 months of cover.

When does my cover start?

Your cover starts straight away for accidents. There is a 10-day waiting period for illness cover, which means that no claims can be made for illness within the first 10 days of the policy.

What is a claim excess and how much will this be?

The claims excess is your contribution to the costs of treating your pet. The excess is £100 and this is paid by you per condition per year on all our policies except for Standard Cover where it is only paid once per condition. For pets aged 6 and over, a 20% co-payment will apply to the remaining claim for veterinary fees, special diet and complementary medicine after the excess has been deducted, and for any claims for that condition thereafter. If you need to make a claim under the Third Party Liability section of the policy the excess is £250 and is paid once per claim.

What is a co-payment?

This is the amount you pay towards the vet fee claim for each condition. For all pets aged 6 years and older the mandatory co-payment amount is 20%. This is in addition to the standard £100 excess. For example if you made a claim of £500 the initial excess of £100 would be deducted and you would then be required to pay 20% of the remaining £400 balance, which is £80. Therefore the total you would be required to pay towards the claim is £180.

What vets fees are covered?

Our policy provides insurance for reasonable, customary and essential fees typically charged by a vet in the provision of treatment.

How do you assess whether the vets fees are reasonable, customary and essential?

Every claim is reviewed by our expert team of vet nurses and the cost compared against our database of similar cases.

How can I find out if you have received my claim?

You can track your claim on the website.

How long will it take to process my claim?

The process will take five working days from the day we have received the claim.

Can my pet have any dental work paid for?

Your pet will be covered for dental treatment as a result of an accident but any regular or illness related dentistry or is excluded.

Will you pay the vet or me direct?

We can pay you or the vet just let us know on the claim form section.

How will I receive my documents?

To protect our environment, all documentation is sent via email. When your policy renews, your renewal notice, along with your schedule of insurance and policy wording will be emailed to you 14 days before your renewal date.

What should I do if I do not receive my documentation?

If you do not receive your documentation, please check your spam or junk email, as sometimes internet security settings may divert them here. If they are not there then call our friendly customer services team on 0843 309 1196.

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Contact us

How can I contact you about a question or claim?

Please call us on 0843 309 1196.

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Pet insurance claims procedure

How do I make a claim?

If you need to make a claim, phone our claims line on 0844 561 1625, open 8am to 9pm Monday to Friday, 9am to 2pm Saturday.

Remember to

  • have your details ready before you call
  • have your client reference number ready – you will find this at the top of all our letters to you
  • check that the claim is covered by your policy. Each section of the policy tells you what is insured and what is not insured. The cover you have requested is shown on your policy schedule

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AA Pet Insurance

Call 0800 294 2713 to get a quote

Pet insurance premiums depend on individual circumstances.

AA Pet Insurance is arranged and administered by Ultimate Pet Partners Ltd who are an appointed representative of Ultimate Insurance Solutions Ltd. Registered office: 5th Floor, The Connect Centre, Kingston Crescent, Portsmouth PO2 8DE. Registered No. 6740793. FSA registration number 311368. You can check the FSA Register or call the FSA on 0845 606 1234.

Policies are underwritten by Ultimate Insurance Company Ltd.

Automobile Association Insurance Services Limited is authorised and regulated by the Financial Services Authority (FSA). FSA registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. FSA registration number 310562. You can check the FSA Register or call the FSA on 0845 606 1234.