AAA Pet Insurance Review (2024)

AAA’s pet insurance through Embrace is a good option for pet parents seeking stackable discounts and customizable coverage. Embrace covers a full range of items and offers a Wellness Rewards add-on for preventative care expenses. We like Embrace’s diminishing deductible system, which rewards you for keeping your pets healthy.

Like all other providers, AAA’s pet insurance has some limitations regarding your pet’s age and pre-existing conditions. Keep reading to learn if this is the right plan for you.

AAA pet insurance is available through Embrace. Embrace offers customizable reimbursement, deductible and annual limit options that you can mix and match to build your ideal monthly rate. We’ve generated quotes using the provider’s most popular reimbursement and deductible rates to give you a better idea of AAA’s pet insurance costs.

AAA Pet Insurance Plan Options

Embrace doesn’t have any add-on options apart from its Wellness Rewards package. Instead, it offers a comprehensive base plan. Embrace offers reimbursement for complementary treatments, specialist care, diagnostic testing and prescription medications for any covered conditions.

Under its accident and illness plan, AAA’s pet insurance through Embrace covers:

• Accidents and illnesses
• Diagnostic testing and exam fees
• Breed-specific and hereditary conditions
• Chronic conditions
• Emergency and specialist fees
• Cancer and diagnostic treatment
• Hospitalization and surgery
• Behavioral therapy
• Alternative treatment and rehabilitation
• Prescription medications
• Preventable conditions
• Dental illnesses

According to Embrace’s website, you’ll typically pay between $35-$45 for dog insurance and $20-$25 for cat insurance. Monthly plan costs vary depending on your ZIP code and your pet’s species, breed, age and health status.

Wellness care is excluded from Embrace’s pet insurance coverage. You can purchase Embrace’s Wellness Rewards package for up to $650 in wellness reimbursements to cover routine care. This program isn’t part of your pet insurance policy but instead functions as a budgeting tool for preventative pet care. It’s the only supplemental plan available through Embrace.

Preventative Care Limits

AAA’s pet insurance through Embrace has a Wellness Rewards program for preventative care costs. The program allows you to choose between annual reimbursement rates of $250, $450 and $650 to cover routine care costs.

Instead of having dollar amount limits in place for individual services, Embrace gives you a larger yearly allowance to spend however you choose. If you select the $250 rate and spend that much on a single service, you have used your allotted yearly amount and will have to pay for other routine services out of pocket.

Embrace recommends the $650 rate for puppy and kitten owners who will inevitably spend more on initial vaccines and checkups. Pet owners with older pets who just need parasite prevention and routine vaccinations could opt for the lower plan. You can change your Wellness Rewards amount at the start of a new policy period, so you aren’t stuck with a rate that doesn’t fit your needs.

Reimbursable items under Embrace’s Wellness Rewards package include:

• Wellness exam fees
• Vaccinations
• Parasite preventatives
• Spay/neuter surgeries
• Routine fecal and blood tests
• Grooming
• Nail trimming
• Teeth cleaning
• Prescription diet food

The wellness package also offers reimbursement on items like microchipping, pet activity monitors, chiropractic work, training and more. Be sure to read your policy to understand what is covered.

Coverage Exclusions

Like all pet insurers, Embrace doesn’t cover pre-existing conditions. These are conditions your pet was symptomatic of before the onset of your pet insurance policy. Embrace does, however, only review the last year of your pet’s medical history when determining pre-existing conditions, so illnesses occurring before those 12 months may qualify for coverage. Embrace also covers curable preexisting conditions your pet hasn’t been treated for or symptomatic of in 12 months.

Embrace excludes elective cosmetic procedures from coverage, too. Cosmetic procedures, such as tail docking, ear cropping, declawing, and dewclaw removal are excluded from coverage unless deemed medically necessary by a licensed veterinarian.

Other coverage exclusions include costs resulting from or associated with:

• Breeding, whelping and pregnancy
• Injury or illness from cruelty or neglect
• Pre-existing behavioral problems
• Non-diagnostic genetic testing
• Nutritional counseling
• Pet boarding

To give you a better idea of how much an Embrace pet insurance plan costs per month, we’ve provided sample prices for a 3-year-old pet in Phoenix, Ariz. We generated these quotes using a $15,000 annual limit, $750 deductible and 80% reimbursement rate:

*We selected the $450 wellness plan option for these sample quotes.

Learn more about the most affordable pet insurance providers on the market to get a policy that fits your budget.

Deductibles

Embrace offers deductible rates of $200, $300, $500, $750, $1,000. The $500 option is the most popular amongst policyholders.

If you choose the highest deductible, you’ll have lower monthly premiums but a higher amount to reach before Embrace starts covering your pet’s vet expenses.

AAA members who buy pet insurance through Embrace automatically join the Healthy Pet Deductible program. With the Healthy Pet Deductible, your annual deductible automatically goes down $50 for every year you don’t submit an insurance claim.

If you go two years with no claim reimbursement, you’ll have earned $100 in deductible credits. The $100 credit will apply to the deductible for that policy period if you do eventually have a claim. Your deductible will reset to your original limit for the next policy period.

Plan Customizations

You can choose any combination of the following yearly rates when building your Embrace pet insurance plan:

• Annual limits: $5,000, $8,000, $10,000, $15,000, $30,000
• Deductibles: $200, $300, $500, $750, $1,000
• Reimbursement rates: 70%, 80%, 90%

Different combinations will change your monthly premium cost, allowing you to choose a plan that best fits your financial and veterinary needs. If you choose a higher reimbursement rate, your payout will be larger for each claim, but you’ll pay more in monthly premiums. Embrace doesn’t offer an unlimited annual limit option, so your yearly coverage will be capped at a maximum of $30,000.

Take a look at how different plan customizations can affect your monthly premium price. Remember, prices depend on location, species, breed and age, so your pet insurance plan prices will vary. We generated these sample quotes for a 2-year-old German Shepherd in Phoenix.

Discounts

Embrace offers a few discounts you can stack for up to 25%in savings. AAA members get a 5% partner discount on Embrace pet insurance plans. Customers who enroll multiple pets at once will automatically receive a 10% multi-pet discount at checkout. Lastly, military personnel can show proof of status to receive a 5%discount on pet insurance.

Some employers offer Embrace pet insurance as a voluntary employee benefit. Employees can opt into pet insurance coverage during annual benefits enrollment. If you buy Embrace Pet Insurance through your employer, you’ll be eligible for a 10% Employee Benefits Discount.

Embrace will also reward you $25 for referring a friend to the company. Lastly, Embrace donates $25 to animal charities for every additional referral you send.

AAA’s pet insurance partners vary depending on location. This is because AAA comprises regional clubs across North America. Your local AAA is a separate entity from an AAA branch in another part of the country.

According to their website, the AAA Club Alliance services Delaware, Maryland, Oklahoma, South Dakota, Washington D.C., and parts of Virginia, Pennsylvania, New Jersey, Connecticut, Ohio, West Virginia, Kentucky, Indiana and Kansas.

The Wellness Rewards add-on is not available to Rhode Island residents. The military discount is not available in New York and Tennessee. The Employee Benefit discount isn’t available in Florida, North Dakota, New York or Tennessee.

Customers generally seem pleased with Embrace’s claims submission process, noting prompt reimbursement and a simple system for uploading documents. Other customers praised the individual customer service representatives for their empathetic attention to pets’ individual needs.

Some policyholders were disgruntled over yearly increases in premiums. Embrace agents responded to these negative reviews, saying that all pet insurance companies are raising prices in response to rising veterinary care costs.

“The entire process was seamless and easy. The application to upload receipts, the areas for descriptions, and the very little time it took to submit a reimbursement claim were appreciated. I would recommend Embrace for any pet parent’s needs. Well done.” – April W., Trustpilot

“Having Embrace was the best decision we could have ever made! Because of them, we can now focus on our dog healing and walking again. There were no issues or delays either. The process was simple, uncomplicated and I received a refund check within two weeks. I’ve had Embrace for many years, and I have never encountered an issue. I highly recommend them.” – M. Clark, Trustpilot

“GREAT service. Prompt response, excellent coverage. Straightforward and easy to use. With a Labrador who is very active and curious, the insurance was well worth it as she grew up. Now that she has been diagnosed with Addison’s disease at age 5, she will need meds for the rest of her life, and we are doubly glad we have Embrace.” – Elise G., Trustpilot

“I’ve been pleased with the coverage so far, but am really not a fan of how much it increases in price every single year. I’m not sure that just putting this money in a savings account wouldn’t have been a wiser way to go. I really didn’t expect such increases in price.” – Vicki M., Trustpilot

Although your pet insurance provider will vary by location, AAA has partnered with well-known, trusted industry names like Embrace. We recommend that AAA members take advantage of the additional member discounts available through these partnerships.

We focused on Embrace pet insurance in this review for an in-depth look at how AAA pet insurance works. Embrace is a great option for pet parents seeking customizable plans and a wellness care add-on.

Regardless of what provider you choose, rest assured knowing you can handle your pet’s emergencies without breaking the bank.

AAA’s pet insurance through Embrace stacks up well to other competitors. Its prices and waiting periods are average across the board, and customers have access to an online chat feature and mobile app.

The American Automobile Association was founded in Chicago in 1902 on the heels of automobile invention. Vehicle enthusiasts established motor clubs, joining together and eventually forming the American Automobile Association.

The organization published various maps and guides for drivers and eventually established a roadside assistance program. Over a century later, AAA has become America’s biggest name in roadside assistance, responding to nearly 30 million calls per year.

Over time, AAA added several services to its catalog, including travel assistance, financial planning, banking and insurance administration. AAA now offers various types of insurance, including pet insurance.

AAA’s pet health insurance is administered by Embrace Pet Insurance Agency, LLC, and is underwritten by American Modern Insurance Group, Inc.