AAMI Pet Insurance Review
AAMI has been a staple in the Australian insurance landscape since 1970, covering everything from cars to homes, travel, and more. With over 2.5 million customers nationwide, AAMI is a brand many Australians trust.
In 2018, they decided to branch out into something many pet owners had been waiting for—pet insurance. And they didn’t do it alone. AAMI teamed up with Petinsurance.com.au, a subsidiary of PetSure, which is part of the Hollard Group.
This partnership brought together AAMI’s long history in the insurance world with PetSure’s deep knowledge of the pet insurance market, creating a powerful offering for pet owners across Australia. Through this collaboration, AAMI introduced pet insurance products offering various benefits.
The policies, issued by PetSure (Australia) Pty Ltd, give pet owners the peace of mind of knowing their pets are covered for many conditions, from routine vet visits to more serious health concerns like cancer or hip surgery.
| 🔎 Company Name | 🥇 AAMI |
| 📌 Founded | 1970 (AAMI) |
| 📍 Headquartered | Australia |
| 📉 Administered By | PetSure (Australia) Pty Ltd |
| 📈 Number of Plans | 4 (Silver, Gold, Platinum for dogs; Bronze, Gold, Platinum for cats) |
| 💶 Plans Price Range | Varies by pet and cover level |
| 🐱 Species Covered | Dogs and Cats |
| 🐶 Breed Restrictions | None, though some breeds may have limitations or exclusions |
| 📊 Age Limits for Cover | Dogs: 6 months – 9 years (for Silver, Gold, Platinum); Cats: 8 weeks – 9 years (for Gold and Platinum); 8 weeks – 15 years (for Silver and Bronze indoor cats) |
| 💹 Annual Maximum Cover | Up to $30,000 (Platinum plan) |
| 💱 Maximum Limit per Claim | Varies by plan and condition; up to $30,000 annual limit for Platinum |
| 🩺 Routine Care Benefits | Available as an optional add-on |
| 💊 Diagnostic Testing Benefits | Covered depending on plan and condition |
| 👩⚕️ Medication Benefits | Covered depending on plan and condition |
| 🧬 Hospitalisation Cover | Covered depending on plan and condition |
| ❤️ Chronic Care Support | Covered under Gold and Platinum plans for chronic conditions like cancer and diabetes |
| 🙊 Accidental Cover | Covered (with no waiting period for accidental injuries) |
| ⭐ Illness Cover | Covered (specified illnesses for Silver, full cover for Gold and Platinum) |
| 🦷 Dental Care | Optional add-on for Silver and Gold plans; included in Platinum plan |
| 🦴 X-ray Benefits | Covered depending on plan and condition |
| ⌛ Lifetime Cover | Yes, included in all plans |
| ☎️ 24/7 Vet Advice Line | Included in all plans |
| 🐕 Multi-pet Discounts | Available |
| 🖱️ Online Claims Submission | Available through the AAMI Customer Portal or GapOnly® system |
Regulations and Administration
AAMI Pet Insurance involves several key players behind the scenes:
PetSure (Australia) Pty Ltd
This entity holds the Australian Financial Services License (AFSL 420183) and manages AAMI’s pet insurance policies.
The Hollard Insurance Company Pty Ltd
Issues the AAMI Pet Insurance policies and holds its own AFSL 241436, ensuring the policies are backed by a reliable insurer.
Authorised Representatives
PetSure’s authorised representatives, like Pet Insurance Pty Ltd (PIPL) and Platform Ventures Pty Ltd (Ventures), distribute AAMI’s policies.
Policy Details
Policies purchased before 07/11/2023 are issued by Hollard, with PetSure handling the administration. Policies purchased on or after 07/11/2023 are both issued and administered by PetSure.
This structure ensures that AAMI Pet Insurance is managed legally and efficiently.
Unique Advantages Over Competitors
AAMI Pet Insurance stands out because of its flexible and tailored plans. Whether you want basic coverage or more extensive protection, AAMI has options that offer real value and peace of mind. Here’s what makes AAMI different from other pet insurance providers:
Choice of Excess Amounts
You can choose from $0, $250, or $500 excess to fit your budget.
Flexible payment plans
Pay your premium fortnightly, monthly, or annually.
Chronic condition coverage
The Gold and Platinum plans cover conditions like cancer and diabetes, protecting your pet long-term.
Emergency boarding
If you’re hospitalized unexpectedly, AAMI offers up to $1,500 for emergency boarding for your pet.
Routine care add-on
You can add routine care to help cover everyday vet costs, like vaccinations and flea treatments.
Four levels of coverage
Choose from Bronze, Silver, Gold, or Platinum plans to match your pet’s needs and budget.
High annual benefits
The Platinum plan offers up to $30,000 in annual benefits for serious injuries or illnesses.
24/7 veterinary advice
Get expert advice anytime through AAMI’s helpline.
No waiting period for accidents
Your pet is covered immediately if injured.
These features make AAMI a great choice for pet owners looking for flexible, comprehensive coverage.
Eligibility for Pet Insurance with AAMI
AAMI makes it easy to understand if your pet qualifies for coverage. Here’s a breakdown of the key requirements:
Age Requirements
AAMI covers dogs aged between 6 months and 9 years. There’s no upper age limit for accidental injuries. Moreover, Cats must be between 8 weeks and 9 years old. For Silver or Bronze cover, indoor cats must be at least 8 weeks old but under 15 years.
Breed Considerations
AAMI doesn’t exclude specific breeds, so most dogs and cats are eligible for cover. However, some breeds may have limitations or exclusions, so it’s a good idea to check the policy for any breed-specific conditions.
Health Conditions
AAMI doesn’t cover pre-existing conditions. Any health issues your pet had before the policy started or during the waiting period won’t be included.
Multi-Pet Policies
AAMI allows you to insure multiple pets, each with their own policy and cover option.
This makes it clear and simple to know if your pet is eligible for AAMI Pet Insurance.
Pet Insurance Customer Support with AAMI
When managing your pet insurance, you’ll need reliable customer support. Here’s how you can get in touch with AAMI for pet insurance support:
| 🔎 Support Channel | 🅰️ Purpose | 🅱️ Details |
| ☎️ Phone Support | General inquiries and pet insurance claims | Call AAMI Customer Service at 13 22 44 for general questions. For pet insurance claims, call 1300 855 633 |
| 🖱️ Online Messaging | Non-real-time support for inquiries and updates | Use AAMI’s messaging service via their app for support without waiting on the phone. You’ll receive a response within a given time frame |
| 🥰 Customer Portal | Manage your policy, claims, and documents | Access the AAMI Pet Insurance Customer Portal to view and update your policy, submit claims, and access important documents |
| 💌 Postal Support | Written correspondence | Mail documents to Petinsurance.com.au, Locked Bag 9021, Castle Hill NSW 1765 |
| 💖 In-Person Support | Local customer support locations | Visit one of AAMI's customer support locations. Check AAMI’s website for the nearest support centre to you |
Pet Insurance Premiums
When choosing pet insurance, it’s important to understand how premiums are set, as several factors can affect the cost of your policy. AAMI’s premiums depend on your pet’s age, breed, health, and the coverage level you select.
You can also adjust your premium by choosing different excess levels, giving you control over your monthly payments. Here’s how these factors influence your premium:
Payment Frequency
You can pay monthly, quarterly, or annually. Monthly payments are convenient but come with a small fee per instalment.
Health
Pets with pre-existing conditions may have higher premiums.
Cover Level
Higher cover plans, like Platinum, cost more than basic plans like Silver.
Age
Older pets typically have higher premiums due to greater health risks.
Breed
Some breeds may have higher premiums due to common health conditions.
Excess Amount
A higher excess (the amount you pay before the insurer covers costs) can lower your monthly premium.
We also did a quick quote online to show you a breakdown of AAMI’s premiums for specific pets and cover options so you have a better idea of what to expect.
| Pet Type | 🥇 Cover Level | 💶 Premium (Monthly) | 💵 Excess |
| 🐶 Rottweiler (2023, Female, Not Desexed) | Silver | $41.95 | $250 |
| 🐕 Rottweiler (2023, Female, Not Desexed) | Gold | $73.97 | $250 |
| 🐾 Rottweiler (2023, Female, Not Desexed) | Platinum | $82.48 | $250 |
| 🐱 Ragdoll Cat (2024, Female, Not Desexed) | Silver | $22.26 | $250 |
| 🐈 Ragdoll Cat (2024, Female, Not Desexed) | Gold | $27.88 | $250 |
| 🐈⬛ Ragdoll Cat (2024, Female, Not Desexed) | Platinum | $32.00 | $250 |
Cover and Benefits Comparison
When choosing the right insurance for your pet, you must find a plan that fits your pet’s health needs and your budget.
AAMI offers four levels of coverage for pets, but the options vary between dogs and cats. There are Silver, Gold, and Platinum plans for dogs, while for cats, there are Bronze, Gold, and Platinum plans.
Each of these plans provides unique benefits and cover limits, letting you select the plan that offers the right balance of protection.
Dog Insurance
AAMI’s dog insurance has three cover levels: Silver, Gold, and Platinum. These plans provide varying levels of coverage for different needs and budgets.
The plans offer flexibility to meet your pet’s needs, from essential injury protection to comprehensive cover that includes dental illness. Here are the details:
| 🔎 What's Covered | 🥈 Silver | 🥇 Gold | 💎 Platinum |
| 📉 Annual Benefit Limit | Up to $20,000 | Up to $20,000 | Up to $30,000 |
| 📈 Benefit Percentage | 80% | 80% | 80% |
| 📊 Excess (per condition, per policy period) | $0, $250, $500 | $0, $250, $500 | $0, $250, $500 |
| 💹 Eligibility | 8 weeks - 15 years | 8 weeks - 9 years | 8 weeks - 9 years |
| 🤕 Cover for Specified Accidental Injuries | ✅Yes | ✅Yes | ✅Yes |
| 🤒 Cover for Illness | Specified Illnesses Only | Covered | Covered |
| 🅰️ Consultation Sub-limit | $500 | $500 | Up to annual benefit limit |
| 🅱️ Paralysis Tick Sub-limit | $2,000 | $3,000 | Up to annual benefit limit |
| 📌 Cruciate Ligament Conditions Sub-limit | $3,000 per leg per policy period | $4,000 per leg per policy period | Up to annual benefit limit |
| 📍 Hip Joint Surgery Sub-limit | $6,000 per hip per policy period | $6,000 per hip per policy period | Up to annual benefit limit |
| ↪️ Emergency Boarding | Up to $1,000 | Up to $1,000 | Up to $1,500 |
| 🦷 Dental Illness Limit | Optional, $1,000 | Optional, $1,000 | Included, $1,000 |
| ⏰ Waiting Period for Accidental Injuries | 0 days | 0 days | 0 days |
| ⏱️ Waiting Period for Illness | 21 days | 21 days | 21 days |
| ⏲️ Waiting Period for Cruciate Ligament | 6 months | 6 months | 6 months |
| ⌚ Waiting Period for Dental Illness | 6 months | 6 months | 6 months |
Cat Insurance
AAMI has three cat cover plans: Bronze, Gold, and Platinum. These plans are tailored specifically to cats, with different cover levels, from specified conditions to more comprehensive cover for illnesses and injuries. Here are the details:
| 🔎 What's Covered | 🥉 Bronze | 🥇 Gold | 💎 Platinum |
| 📉 Annual Benefit Limit | Up to $20,000 | Up to $20,000 | Up to $30,000 |
| 📈 Benefit Percentage | 80% | 80% | 80% |
| 📊 Excess (per condition, per policy period) | $0, $250, $500 | $0, $250, $500 | $0, $250, $500 |
| 💹 Eligibility | 8 weeks - 15 years | 8 weeks - 9 years | 8 weeks - 9 years |
| 📌 Cover for Specified Accidental Injuries | n/a | ✅Yes | ✅Yes |
| 📍 Cover for Illness | Specified Conditions Only | Covered | Covered |
| 🅰️ Consultation Sub-limit | $500 | $500 | Up to annual benefit limit |
| 🅱️ Paralysis Tick Sub-limit | n/a | $3,000 | Up to annual benefit limit |
| 🩺 Cruciate Ligament Conditions Sub-limit | n/a | $4,000 per leg per policy period | Up to annual benefit limit |
| 💊 Hip Joint Surgery Sub-limit | n/a | $6,000 per hip per policy period | Up to annual benefit limit |
| 🌡️ Emergency Boarding | Up to $1,000 | Up to $1,000 | Up to $1,500 |
| 🦷 Dental Illness Limit | Optional, $1,000 | Optional, $1,000 | Included, $1,000 |
| ⏰ Waiting Period for Accidental Injuries | n/a | 0 days | 0 days |
| ⏱️ Waiting Period for Illness | 21 days | 21 days | 21 days |
| ⏲️ Waiting Period for Cruciate Ligament | n/a | 6 months | 6 months |
| ⌚ Waiting Period for Dental Illness | 6 months | 6 months | 6 months |
Optional Add-ons
AAMI offers a few optional add-ons to enhance your pet insurance plan. The Routine Care (Non-insurance Benefit) is available for both dogs and cats on all plans, helping cover the cost of routine vet visits, vaccinations, check-ups, and other preventive treatments.
It has specific limits, such as $100 for treatments like desexing or microchipping and $50 for flea control or vaccinations. The Dental Illness Benefit is available on Silver and Gold plans for dogs and cats and is automatically included in the Platinum plan.
It covers treatments for dental issues like gingivitis, abscesses, and tooth removal due to dental disease. There is a 6-month waiting period, and your pet must have annual dental check-ups to qualify. These add-ons provide extra coverage to help with your pet’s health costs.
What doesn’t AAMI Pet Insurance Cover?
As much as AAMI’s Pet Insurance covers different things, it’s important to know what’s not covered to understand the benefits. While AAMI provides extensive coverage for many common conditions, there are certain exclusions you should be aware of before committing to a policy. Exclusions include the following:
- AAMI will not cover any health issues your pet had before the policy began or during the waiting periods.
- Treatments for behavioural problems, such as anxiety or phobias, are not covered.
- Treatments like flea baths or medicated shampoos are not covered unless prescribed for a medical condition.
- Any expenses related to breeding, pregnancy, or childbirth are excluded.
- Treatments like stem cell therapy or acupuncture are not covered unless specifically outlined in your policy.
- Procedures that are not medically necessary, like cosmetic surgeries, orthodontic work, and certain non-essential treatments, are excluded.
- Regular preventive care like vaccinations, flea and tick treatments, and health check-ups are not covered unless you add a routine care benefit to your plan.
It’s important to review these exclusions carefully to ensure AAMI Pet Insurance aligns with your pet’s needs and to avoid any surprises when seeking coverage.
How Do I Sign Up for Pet Insurance with AAMI?
Signing up for pet insurance with AAMI is easy, and you can do it online. AAMI offers a simple process for both new policyholders and those renewing policies.
Get a Quote
To start, provide some basic details about your pet, such as its breed, age, and health status. This generates an instant quote for you. You’ll also need to enter your details, like your contact information and postcode, to personalise your quote.
Choose Your Plan
AAMI offers four plans depending on your pet: Bronze, Silver, Gold, and Platinum. Each option comes with different benefits and annual limits. You can review the details for each plan on AAMI’s website and choose the best one.
Provide Pet Details
Once you’ve chosen your plan, you’ll be asked to provide more detailed information about your pet, such as their age, breed, and medical history.
Review and Finalise Your Policy
- Before finalizing your purchase, you’ll have the chance to review your selected plan and ensure the terms and cover match what you want.
- You’ll also need to agree to the policy’s terms and confirm that the coverage level is appropriate for your pet.
AAMI offers a 30-day cooling-off period, so if you change your mind within that time frame (and haven’t made any claims), you can cancel for a full refund.
Choose Payment and Start Date
After reviewing, you’ll select your policy start date and decide on your payment frequency – whether you’d like to pay monthly, quarterly, or annually.
Complete Your Details
Provide your full name, address, date of birth, and contact number. You can also add an authorised person or provide details about your vet and any previous insurance history.
After confirming all your details, review everything again and proceed to payment.
How Do I Submit a Pet Insurance Claim with AAMI?
Whether you submit a claim directly through your vet using the GapOnly® system or submit it online or by post, AAMI ensures that the process is simple and hassle-free. Here’s a breakdown of how to submit a claim:
- If your vet participates in the GapOnly® system, you can submit the claim directly while you’re at the clinic.
- Your vet handles the submission, and you pay the balance at the time of service.
- Log in to AAMI’s Customer Portal. Once there, you can upload the necessary documents.
- If you prefer to submit your claim by post, you must download and complete the claim form.
- The form must be signed by both you and your vet.
- Once completed, mail the form and all the necessary documentation, like invoices and clinical records, to AAMI for processing.
After AAMI receives your claim, it will be processed. You will receive a remittance advice outlining the claim’s outcome. If your claim is successful, the payment will be made to your nominated bank account or by cheque. For GapOnly® claims, the payment goes directly to the vet.
AAMI Pet Insurance Pricing vs. Value for Money
Value for money with pet insurance goes beyond just the premium cost. While the affordability of a policy is important, it’s equally vital to consider the level of coverage and benefits that come with it.
Pricing vs. Cover
AAMI’s pricing structure reflects a clear correlation between cost and the level of coverage offered.
While Platinum plans come with higher premiums, they also provide higher annual benefit limits and more comprehensive coverage, making them a good option for pet owners who want to ensure extensive care for frequent or costly medical needs.
For instance, the Rottweiler covered under the Platinum plan would cost around $82.48 per month with a $250 excess, up to $30,000 in coverage annually.
On the other hand, the Silver plan for the same dog costs only $41.95 per month with a $250 excess. This plan offers a $20,000 annual benefit, making it more affordable for basic coverage for accidents and some illnesses but with lower monthly premiums.
Value for Money
The value of AAMI’s plans is determined by a balance between premium costs, excess amounts, and the benefits each plan offers. For example, while the Platinum plan provides the highest cover limits, assessing whether your pet’s health needs justify the additional cost is important.
If your pet requires frequent treatments or specialised care (like dental illness cover), then the higher premium for Platinum could represent better value in the long run.
AAMI Pet Insurance Policy Renewal, Cancellation, and Changes
Managing your AAMI pet insurance policy is simple, whether you’re renewing, making changes, or considering cancellation.
AAMI lets you adjust your policy as your needs change. It’s important to understand the key steps involved in each of these actions so that you can make informed decisions about your pet’s coverage.
Policy Renewal
How and When
You will receive a renewal offer at least 14 days before your policy expires. This offer will include details like the new premium amount and any changes to the policy terms, including adjustments based on your pet’s age, breed, and claims history.
Automatic Renewal
If you haven’t opted out of automatic renewal, your policy will renew automatically under the new terms. If you decide you don’t want to renew, make sure to inform AAMI before the renewal date.
Changes to Premium
The renewal premium could change due to factors like your pet’s age, claims history, or even broader commercial factors like operating costs.
You’ll be notified in advance of any changes.
Cancellation
Canceled By You
You can cancel your policy anytime by contacting AAMI’s customer service team. Upon cancellation, you’ll receive a written confirmation via email or post. If you’ve paid annually, AAMI will provide a pro-rata refund for the unused portion of your policy, minus any applicable charges.
If you’ve been paying in installments, no refund will be issued for the unused installments, but you won’t be charged for any future installments.
Cooling-Off Period
You can also cancel within the first 30 days of your policy (or renewal) for a full refund, provided no claims have been made.
Cancellation by AAMI
AAMI can cancel your policy if you fail to meet the terms, such as non-payment of premiums or fraudulent claims. You will receive written notice if cancellation is due to non-payment.
Changes to Your Policy
You can change your cover by upgrading to a higher plan or adding optional extras, such as increasing the benefit limits. However, these changes must be made before a claim is paid. Once a claim is made, changes can only be made during the renewal period.
To make changes, simply contact AAMI directly. If no claims have been processed, AAMI will issue a new policy number and cancel the old policy. If you change your cover mid-policy, new waiting periods may apply for any new conditions added to the cover unless there has been a break in cover.
AAMI Pet Insurance vs Australian Unity vs Bupa – A Comparison
| 🔎 Provider | 🥇 AAMI | 🥈 Australian Unity | 🥉 Bupa |
| 📉 Policy Types Offered | 4 options: Silver, Gold, Platinum (dogs); Bronze, Gold, Platinum (cats) | Bronze, Silver, Gold, Platinum | Basic Accident Cover, Standard Cover, Ultimate Cover |
| 📈 Excess/Deductible Amount | $0, $250, $500 | Flexible excess options available | Options of $0, $100, or $200 excess |
| 📊 Waiting Period for Cover | 21 days for illness; 0 days for accidental injury | Immediate for accidents and routine care, 21 days for illnesses, 6 months for dental | Accident cover starts immediately; Illness cover has a 30-day waiting period |
| 💹 Pre-existing Condition Cover | Not covered | None | Not covered |
| 💱 Co-payment Percentage | 20% of the vet bill for claims | No co-payment, reimbursement up to 80% | Bupa reimburses up to 80% of eligible vet bills |
| 💶 Refund Percentage for Claims | None | Up to 80% for accidents and illnesses | Bupa reimburses up to 80% of eligible vet bills, depending on the plan |
| 🩷 Covered Treatments | Accidents, illness, surgery, dental illness (Platinum), chronic conditions (Gold/Platinum) | Accidents, illnesses, dental (Gold & Platinum), hereditary & congenital disabilities | Accidents, illnesses, consultations, emergency boarding, etc. |
| 🚨 Emergency and Critical Care | Covered, with up to $1,500 for emergency boarding (Platinum) | Covered for eligible conditions | Covered under the Standard and Ultimate plans |
| ✈️ Travel Insurance for Pets | Not covered | None | Covers veterinary expenses while traveling in New Zealand (up to 60 days) |
| 3️⃣ Third-party Liability | Not covered | None | Not covered |
| 🤕 In-Hospital and Outpatient Care | Covered | Covered for eligible conditions | Covered for accidents and illnesses |
| 🚩 Pet Loss and Theft Cover | Not covered | None | Not covered |
| 💳 Reimbursement Method | Direct to vet via GapOnly® or reimbursement to the owner | GapOnly® for on-the-spot claims or reimbursement after claim processing | Claims submitted online via the Pet Portal or through GapOnly® for on-the-spot claims at participating clinics |
| 💵 Payout Limit per Condition | Varies by plan; up to $30,000 annual coverage (Platinum) | Varies | Sub-limits apply (e.g., tick paralysis or cruciate ligament conditions) |
| 📌 Pet Age Limit for New Enrolments | Dogs: 6 months – 9 years; Cats: 8 weeks – 9 years | Up to 9 years for Gold & Platinum, up to 15 years for Bronze & Silver | 8 weeks to under 9 years |
| 📍 Behavioural Therapy Cover | Not covered | None | Not covered |
| 💊 Preventive Care Benefits | Optional add-on for routine care (vaccinations, flea treatments, etc.) | Available as an optional add-on | Available as an add-on (vaccinations, desexing, health checks, microchipping) |
| 🩺 Multi-pet Cover Limitations | Each pet has an individual cover, with potential multi-pet discounts | Available with individual policies for each pet | 5% discount for each additional pet; eligibility depends on each pet’s age and health |
You might also like:
- RSPCA Pet Insurance
- Budget Direct Pet Insurance
- Bow Wow Meow Pet Insurance
- Australian Unity Pet Insurance
- Bupa Pet Insurance
- Medibank Pet Insurance
- HCF Pet Insurance
Additional AAMI Pet Insurance Features
AAMI has several additional features that can enhance your pet’s insurance coverage and provide peace of mind for pet owners. Here’s a breakdown of the key extra features offered by AAMI:
| 🔎 Feature | 🥈 Silver | 🥇 Gold | 💎 Platinum | ⭐ Optional |
| ❤️ Routine Care | Yes | Yes | Yes | Yes |
| 🚨 Emergency Pet Boarding | $1,000 | $1,000 | $1,500 | No |
| ☎️ 24/7 Vet Helpline | Yes | Yes | Yes | Included |
| 📌 Pet Profile | Yes | Yes | Yes | Yes |
AAMI Pet Insurance Pros and Cons
| ✅ Pros | ❌ Cons |
| No breed-specific exclusions for most dogs and cats. | Emergency boarding cover has limits ($1,000 for Silver and Gold). |
| Up to $30,000 in annual benefits for Platinum policies. | Add-ons like Routine Care and Dental Illness increase costs. |
| Four plans with unique benefits, limits, and features. | Excess options may raise premiums. |
| Flexible payment options (monthly, quarterly, annually). | Does not cover behavioral treatments (e.g., anxiety, phobias). |
| Platinum plan covers up to $1,500 for emergency boarding. | No coverage for pre-existing conditions. |
In Conclusion
AAMI Pet Insurance offers flexible and competitive coverage that caters to a wide range of pet owners. With customizable plans at different price points, including options for basic or comprehensive coverage, it’s well-suited for pet owners seeking flexibility and affordability. The inclusion of 24/7 vet support with certain plans is a bonus, making it ideal for those who value constant access to professional advice. However, it’s important to note that AAMI may not be the best fit for pets with pre-existing conditions, and optional add-ons like routine care and dental illness coverage can increase the overall cost. Overall, AAMI provides a reliable and comprehensive pet insurance option, especially for healthy pets and owners looking for a customizable, budget-friendly plan.
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Frequently Asked Questions
Does AAMI Pet Insurance cover emergency boarding costs?
Yes, AAMI Pet Insurance will cover emergency boarding charges if you are suddenly hospitalized. The Silver and Gold plans pay up to $1,000, while the Platinum plan pays up to $1,500 to guarantee your pet is cared for while you cannot.
How does AAMI Pet Insurance set premium prices for different pets?
AAMI rates are determined by characteristics like your pet’s age, breed, and health, with older pets costing more due to possible health concerns. You can also change the premium by picking a different excess amount, giving you more payment options.
What is the waiting period before AAMI Pet Insurance cover begins?
For AAMI Pet Insurance, there is a 21-day waiting time for diseases, but don’t worry – accidental injuries are covered immediately! Just remember that some procedures, such as dental care or cruciate ligament repair, may need up to a 6-month wait.
