American Pet Insurance Company Review (2024)

Explore the tailored pet protection with American Pet Insurance Company, ensuring your furry friend's well-being through comprehensive coverage options, direct vet payments, nationwide reach, and prompt claims processing.

UPDATED: Jan 28, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 28, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Jan 28, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jan 28, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 28, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 28, 2024Fact Checked
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American Pet Insurance Company

Average monthly rate for healthy pets:

$50

A.M. Best rating:

A+

Complaint level:

Low

Pros

  • Comprehensive Coverage Options
  • Personalized Policies for Different Pets
  • Direct Payments to Veterinary Clinics
  • Nationwide Coverage for Quality Care
  • Swift Claims Processing and Reimbursement
  • 24/7 Customer Support for Pet Owners

Cons

  • Limited to Pet Health Coverage Only (No Human Insurance)
  • Rates May Vary Based on Pet’s Age, Breed, and Health
  • Some Pre-existing Conditions Might Affect Coverage Eligibility

Final Verdict: Review of American Pet Insurance Company

Experience peace of mind with American Pet Insurance Company’s tailored coverage for your pet’s unique needs. From medical care for unexpected illnesses and injuries to specialized plans for hereditary conditions, they’ve got your furry friend covered.

With direct payments to vets, nationwide coverage, and swift claims processing, they’re a reliable partner in your pet’s health journey. Competitive rates and low complaints underscore their commitment to satisfaction. Embrace personalized policies, multi-pet discounts, and benefits from a trusted provider that cares for your pets as much as you do.

American Pet Insurance Company Insurance Coverage Options

American Pet Insurance Company provides a range of coverage options to ensure your pet’s well-being. Tailored to your pet’s unique needs, these coverage options offer comprehensive protection:

  • Medical Coverage: This policy handles unexpected illnesses and injuries, including surgeries, medications, and treatments.
  • Routine Care Plans: These plans cover preventive treatments like vaccinations, wellness exams, and dental care.
  • Accident-Only Policy: Designed for budget-conscious pet owners, this plan provides coverage specifically for accidents and injuries.
  • Chronic Conditions Coverage: If your pet has ongoing health issues like diabetes or allergies, this policy ensures continuous care and treatment.
  • Hereditary Condition Coverage: Certain breeds are prone to hereditary conditions; this coverage helps manage these potential health concerns.

With American Pet Insurance Company, you can choose the coverage that suits your pet’s needs and gives you peace of mind.

Read more: What does pet insurance cover?

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American Pet Insurance Company Insurance Rates Breakdown

Driver ProfileAmerican PetNational Average
Clean Record$170$119
1+ Ticket$190$147
1+ Accident$210$173
DUI$230$209
Poor Credit$292$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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American Pet Insurance Company Discounts Available

DiscountAmerican Pet Insurance Company
Anti Theft8%
Good Student10%
Low Mileage7%
Paperless5%
Safe Driver6%
Senior Driver12%

American Pet Insurance Company values its customers and offers various discounts to make pet insurance even more affordable. Here are the discounts you can take advantage of:

  • Multi-Pet Discount: Insure more than one pet with American Pet Insurance Company and enjoy a discounted premium for each additional pet.
  • Annual Payment Discount: Pay for your pet’s insurance coverage annually, and receive a discount on your premium compared to monthly payments.
  • Military Discount: Active duty military personnel and veterans can benefit from a special discount as a token of appreciation for their service.
  • Employee Group Discount: If your employer has a partnership with American Pet Insurance Company, you may be eligible for a group discount.
  • Loyalty Discount: Stay with American Pet Insurance Company for consecutive years and receive a loyalty discount as a thank you for your continued trust.

These discounts make it easier to provide the best care for your pets while managing your budget effectively.

How American Pet Insurance Company Ranks Among Providers

In the realm of pet insurance, American Pet Insurance Company faces competition from several reputable players in the market. Here are some of its main competitors:

  • Healthy Paws Pet Insurance: Known for its straightforward policies and comprehensive coverage, Healthy Paws offers unlimited lifetime benefits and a quick claims process.
  • Nationwide Pet Insurance: One of the oldest pet insurance providers, Nationwide offers a range of coverage options, including exotic pets. They also offer wellness coverage. (For more information, read our “Top Pet Insurance Provider That Allows Exotic Pets“).
  • Trupanion: Trupanion is recognized for its “One Plan” approach, providing coverage for illnesses, injuries, and hereditary conditions, with no payout limits.
  • Embrace Pet Insurance: Embrace stands out for its customizable policies, allowing pet owners to choose the coverage that suits their pets’ unique needs.
  • Petplan: With coverage for both accidents and illnesses, Petplan offers a wide variety of coverage levels, allowing customers to find the right fit for their pets.
  • Figo Pet Insurance: Figo emphasizes technology-driven services, including a mobile app for claims processing and access to virtual vets.
  • Pets Best Insurance: Pets Best offers customizable plans and a fast claims process, with optional coverage for routine care and wellness.

These competitors, among others, provide pet owners with choices when it comes to insuring their furry companions. Each company brings its own strengths and features to the table, making the pet insurance market dynamic and diverse.

Read more: Top Homeowners Insurance Provider That Allows Exotic Pets

Claims Process With American Pet Insurance Company

Ease of Filing a Claim

American Pet Insurance Company offers multiple convenient ways to file a claim, ensuring that you can choose the method that suits you best. You can file a claim online through their user-friendly portal, over the phone with their helpful customer service team, or even through their mobile app for on-the-go convenience.

Average Claim Processing Time

When it comes to claim processing, American Pet Insurance Company stands out for its promptness. On average, they process claims quickly, providing you with the reimbursement you need to cover your pet’s medical expenses in a timely manner.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable indicator of an insurance company’s performance. Many policyholders have reported positive experiences with American Pet Insurance Company’s claim resolutions and payouts. Their commitment to customer satisfaction reflects in their efficient claims handling, ensuring that pet owners receive the support they need during challenging times.

Exploring Digital and Technological Features With American Pet Insurance Company

Mobile App Features and Functionality

American Pet Insurance Company’s mobile app is a handy tool for pet owners. It offers features like easy claims submission, policy management, and access to your pet’s medical records right at your fingertips. The user-friendly interface ensures a seamless experience, making it simple to navigate and utilize the app’s functionality.

Online Account Management Capabilities

Managing your pet’s insurance policy has never been easier. With American Pet Insurance Company’s online account management capabilities, you can log in to your account at any time to review policy details, make updates, and track claims. This online portal provides the flexibility and control you need to ensure your pet’s coverage aligns with their needs.

Digital Tools and Resources

American Pet Insurance Company provides a range of digital tools and resources to assist pet owners in making informed decisions about their pets’ well-being. From educational resources on pet health to informative articles on common conditions and treatments, they empower you with knowledge to give your furry friend the best care possible.

Frequently Asked Questions

What types of coverage does American Pet Insurance Company offer?

They provide medical coverage, routine care plans, accident-only policies, chronic conditions coverage, and hereditary condition coverage.

Are there any discounts available for pet owners?

Yes, American Pet Insurance Company offers multi-pet, annual payment, military, employee group, and loyalty discounts.

How does the claims process work?

Submit your claim and necessary documents online. The company ensures swift processing and reimbursement for covered treatments.

Can I choose my preferred veterinarian?

Absolutely, you have the freedom to choose any licensed veterinarian or specialist for your pet’s care.

What sets American Pet Insurance Company apart from competitors?

Their comprehensive coverage options, direct vet payments, nationwide reach, and quick claims processing make them stand out in the pet insurance market.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

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