AARP Pet Insurance: Your Guide to Protecting Your Furry Friend

As much as we love our pets, unexpected accidents and illnesses can happen. That’s where pet insurance comes in. AARP offers pet insurance plans that can help cover the costs of veterinary care. In this article, we’ll explore the features of AARP pet insurance, including coverage options, pricing, and more.

What is AARP Pet Insurance?

AARP pet insurance is a program that offers coverage for cats and dogs. It’s designed to help pet owners afford the costs of veterinary care, including accidents, illnesses, and preventive care. The insurance is underwritten by United States Fire Insurance Company, which has an A rating from A.M. Best, a leading insurance rating agency.

One of the benefits of AARP pet insurance is that it offers flexible coverage options to fit your budget and your pet’s needs. There are three levels of coverage available: Accident-Only, Accident and Illness, and Complete Coverage. Depending on the level of coverage you choose, you can receive benefits for services such as diagnostic testing, surgery, hospitalization, and more.

Accident-Only Coverage

Accident-only coverage is the most basic level of coverage available. As the name suggests, this plan covers only accidents, such as broken bones, cuts, and poisonings. It does not cover illnesses or preventive care. This is a good option for pet owners who are looking for affordable coverage and are willing to pay out of pocket for routine checkups and vaccinations.

The Accident-Only plan includes up to $10,000 in annual coverage, with a $100 deductible and 90% reimbursement for covered services. You can also add on optional benefits such as dental coverage and alternative therapies.

Accident and Illness Coverage

The Accident and Illness plan offers more comprehensive coverage than the Accident-Only plan. It covers both accidents and illnesses, including cancer, allergies, and infections. It also includes coverage for preventive care, such as vaccinations and annual checkups.

The Accident and Illness plan includes up to $10,000 in annual coverage, with a $100 deductible and 90% reimbursement for covered services. You can also add on optional benefits such as dental coverage and alternative therapies.

Complete Coverage

The Complete Coverage plan is the most comprehensive level of coverage available. It covers accidents, illnesses, and preventive care, as well as hereditary and congenital conditions. This plan also includes coverage for prescription medications and behavioral treatments.

The Complete Coverage plan includes up to $10,000 in annual coverage, with a $100 deductible and 90% reimbursement for covered services. You can also add on optional benefits such as dental coverage and alternative therapies.

How Much Does AARP Pet Insurance Cost?

The cost of AARP pet insurance depends on several factors, including your pet’s age, breed, and the level of coverage you choose. Here are some sample rates for a one-year-old dog:

It’s important to note that these rates are just examples and may differ based on your pet’s individual factors. You can get a personalized quote by visiting the AARP pet insurance website and entering your pet’s information.

What is Covered by AARP Pet Insurance?

AARP pet insurance covers a wide range of veterinary services, but it’s important to read the policy details carefully to understand what is and isn’t covered. Here are some of the services that may be covered:

• Diagnostic testing
• Surgery
• Hospitalization
• Prescription medications
• Hereditary and congenital conditions (with Complete Coverage)
• Preventive care (with Accident and Illness and Complete Coverage)
• Dental care (with optional add-on)
• Alternative therapies (with optional add-on)

Keep in mind that there may be limitations and exclusions for certain conditions or services. For example, some policies may not cover pre-existing conditions or elective procedures. Read the fine print carefully to understand what is and isn’t covered.

FAQ: AARP Pet Insurance

Is AARP pet insurance available in all states?

AARP pet insurance is available in all states except for Hawaii and Alaska.

What is the waiting period for coverage?

The waiting period for Accident-Only coverage is 24 hours. The waiting period for Accident and Illness and Complete Coverage is 14 days.

Can I use my own veterinarian?

Yes, you can use any licensed veterinarian in the United States or Canada.

Are there any age restrictions for coverage?

AARP pet insurance has no upper age limit, but pets must be at least eight weeks old to enroll.

Can I cancel my policy at any time?

Yes, you can cancel your policy at any time by contacting the AARP pet insurance customer service team.

Final Thoughts

AARP pet insurance can be a smart investment for pet owners who want to protect their furry friends from unexpected accidents and illnesses. With flexible coverage options and affordable pricing, AARP pet insurance makes it easy to get the coverage you need to keep your pet healthy and happy.