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Cover options range from Bronze, which includes basic vet's fees and a veterinary helpline, to Gold, which provides generous cover for accidental damage, help with advertising and reward costs if your pet is lost, holiday cancellation insurance if your pet needs emergency treatment, and up to 12 months' overseas travel for your pet.
Terms and conditions of your pet insurance cover are available online and we'll send you complete documentation after you have bought your policy.
You can choose one of three options for your pet insurance cover. Below is a summary of what you get with each of the three options.
| Cover | Bronze | Silver | Gold |
|---|---|---|---|
| Vet's fees | £1,000 | £3,000 | £5,000 |
| Accidental damage |  |
||
| Death from illness* | £250 | £750 | |
| Death from accident* | £250 | £750 | |
| Theft or straying | £250 | £750 | |
| Third-party liability and legal expenses (dogs only) | £1 million | £1 million | £1 million |
| Accidental damage** | £500 | ||
| Boarding kennel fees** | £250 | £1,000 | |
| Holiday cancellation** | £250 | £2,000 | |
| Healthcare away from home helpline | |
|
|
| Bereavement counselling helpline | |
|
|
| Pet legal helpline | |
|
|
| Pet minders' helpline | |
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|
| Pay vet direct | |
|
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| Overseas travel | Up to 30 days | Up to 30 days | Up to 12 months |
* Subject to cover remaining in force and the original policy limit.
** This section does not apply in the case of dogs that are 9 or more years old and cats that are 11 or more years old.
The excess amounts shown against the cover are the amounts which you personally will be asked to pay in respect of each claim.
Please refer to the full policy wording for complete terms and conditions.
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.
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.
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).
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.
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.)
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)*.
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*.
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*.
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.
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.
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.
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.
If you need more information before you buy, the policy documents have full details of AA Pet Insurance cover.
The policy booklets contain full terms and conditions for pet insurance cover and include the policy summary, which outlines the main features and limits of the cover.
AA Pet Insurance Policy Booklet
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.
To find out more about AA Insurance Services, this PDF gives a summary of the services we offer.
I have never insured my pet, why do I need to?
Rising veterinary costs can make a trip to the vet a costly one, the average vet bill is over £220 and more serious treatment can be considerably more. Insuring your pet is therefore a sensible move, with the added peace of mind of knowing you are covered for any damage or injury your pet might cause another person.
What should I do if I need to claim?
The AA make it a very simple process. Simply call us on 08708 502 306 and we will take the details over the telephone. We send you a pre-printed claim form for your signature, and if you prefer we settle the bill directly with the vet.
Is there any advantage to paying my premiums monthly by direct debit?
Yes, not only does it break your premium down into very affordable payments, but there is no interest to pay. The annual premium is simply divided equally over 12 months (plus a small monthly 50p administration fee). When your policy falls due for renewal you can relax in the knowledge that cover will continue unless you advise us otherwise.
What is cover for ongoing conditions?
Many pet insurers limit cover for ongoing conditions for only 12 months. At the AA we recognise that some illnesses may go on beyond that, perhaps for the rest of the pet's life. Our policy will continue to cover your pet, up to the policy limit, for ongoing claims subject to cover remaining in force and payment of premium.
What is co-insurance?
Co-insurance is commonly used in the pet insurance marketplace and is a contribution paid by the policyholder towards the amount claimed that is in addition to the fixed excess. Co-insurance works on the basis of a percentage contribution rather than a fixed amount and will generally apply when your pet reached a certain age, although some pet insurance providers apply this term for all of their policyholders.
For example, veterinary claims for pets aged six and over at the last renewal/policy start date will be subject to a fixed excess of £75 plus 20% (co-insurance) of the remaining amount claimed.
The amount settled by the insurer under a vet fee claim of £300 would be £170 which is calculated as follows:
amount claimed: £300
less fixed excess: £100
less co-insurance of 20%: £30
amount settled: £170
policyholder contribution: £130
Only pets aged six years and over are subject to co-insurance.
How can I contact you about a question or claim?
Please call us on 0800 294 2713.
Back to topHow do I make a claim?
If you need to make a claim, phone our claims line on 0870 240 1495, open 8am to 8pm Monday to Friday, 9am to 5pm Saturday.
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Pet insurance premiums depend on individual circumstances.
AA Pet Insurance is arranged by Automobile Association Insurance Services Limited. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered number 2414212 England.
Automobile Association Insurance Services Limited is an insurance intermediary, which is authorised and regulated by the Financial Services Authority (FSA). You can check the FSA Register or contact the FSA on 0845 606 1234.
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