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Compare our levels of pet cover

Find the best cover for your cat or dog

Choose from six levels of pet insurance

The table below shows a summary of our pet insurance options. They range from Accident Only to Gold Plus, which includes generous cover, renewable benefits, and up to 30 days' overseas travel for your pet. You can see the claim limits for each type of benefit.

Under the table there is a useful guide to the types of benefit.

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 excess 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.

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 or 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 or 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 or 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 legal 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

Advertising or reward

Not covered

Not covered

£100

£100

£250

£250

Types of benefit

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, we'll pay up to £500.

Advertising or reward

If your pet is lost or stolen, we'll 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. We offer 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'll reimburse holiday cancellation costs up to £250 on Silver and £2,000 on Gold policies.

Maximum or 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, and then it becomes a pre-existing condition and is excluded from further claims. But as long as the insurance policy remains in force, there is no time limit on your claim.

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're 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'll reimburse the purchase price, up to £250 on Silver or Silver Plus, and £750 on Gold or Gold Plus.

Third party legal liability

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

Vetadviceline

When taking your pet to your normal vet is not possible, you may contact Vetadviceline's veterinary nurses, who will give you advice about your pet's health and welfare. This service is available 24 hours a day, 365 days a year.

Veterinary fees

Cover is provided on a per incident basis:

  • Up to £2,000 under Accident Only
  • Up to £1,000 under Bronze cover
  • Up to £3,000 under Silver or Silver Plus cover
  • Up to £5,000 under Gold or Gold Plus cover

Many insurers limit payments for ongoing conditions to the first 12 months only. We 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 varies considerably. When looking for pet insurance, take care to choose the type of product and the level of cover for your needs.

Good to know

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

Call our team about the cover options for your pet

0800 294 2713

Lines are open Monday to Friday 8am to 9pm, Saturday 9am to 2pm.

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