Aflac Pet Insurance Review

Aflac pet insurance plans and cost

You can choose an optional wellness add-on, an accident-only policy, or an accident and illness plan for your dog or cat. No sample monthly prices for particular pets or cities appear in the company's public materials. Your monthly price depends on the details of your pet and the deductible you select.

The deductible is the dollar amount you pay yourself for covered care before the insurer starts paying. Instead of resetting every year, the policy applies a lifetime per-condition deductible you pay once for each condition (even if treatment lasts for years). Your options run in $50 steps from $0 to $1,000, and you can also choose $1,350, $1,500, or $1,750.

Once a condition's deductible is met, the plan covers 90% of eligible bills and claims have no annual payout limits. No multi-pet discount is offered by the insurer.

Coverage and exclusions from Aflac

Unexpected injuries and sicknesses are covered by standard accident and illness policies, along with hereditary and congenital conditions such as hip dysplasia. Coverage for dental illness stays limited, and a tooth abscess is covered only if you follow your vet's advice about annual dental exams.

Optional riders can be added to your policy as well:

• A wellness add-on that covers routine preventive care.
• Available as an add-on: behavioral therapy coverage.
• Available as an add-on: alternative therapy coverage.

Most pre-existing conditions stay uncovered. Any injury or illness with symptoms or care that happened before coverage started counts as a pre-existing condition. Certain pre-existing conditions are covered by the Unlimited plan, including allergies, dermatitis, and skin conditions; other prior conditions remain excluded.

Standard policy exclusions also leave out:

• Routine and preventive care, unless you purchase the wellness add-on.
• Conditions tied to breeding.
• War and nuclear events, and other extraordinary events.

Waiting periods and age limits for Aflac

Under the worksite benefit rules, accidents have a waiting period of 0 days, and illnesses have a waiting period of 0 days. A dog or cat must sign up before its 14th birthday to stay within the maximum enrollment age. So on the day coverage begins, your pet needs to be under 14 years old.

Claims and reimbursement with Aflac

At participating hospitals, your veterinarian can be paid directly when your bill is processed. At a participating clinic, checkout means you pay only your share, not the full bill upfront. Nothing in the company's published materials says how quickly standard reimbursement claims are paid after a visit to another vet.

Who Aflac works for

Looking for no annual payout limits on claims plus protection for hereditary conditions such as hip dysplasia? This coverage fits. It also fits people whose vet takes direct payment at participating hospitals. Pets facing ongoing conditions can also benefit, because the per-condition deductible lasts for life and never resets annually.

If your pet is a senior and has gone beyond the enrollment age cutoff, you'll need to look elsewhere. Households that insure more than one pet might also favor an insurer with a multi-pet discount. Another option may suit owners seeking dental illness coverage that avoids strict annual exam rules for tooth abscesses.

Common questions

Is Aflac pet insurance worth buying?

It depends on your budget whether the policy fits, because we rarely see a single plan that works for every household. A per-condition deductible for life plus unlimited annual payouts helps with chronic illnesses, but families with multiple pets get no discount.

Are pre-existing conditions covered by Aflac pet insurance?

Any health issue with symptoms appearing before your coverage started falls outside standard policy coverage. One exception is the Unlimited plan, which pays for some pre-existing conditions, including allergies, dermatitis, and skin conditions, but excludes all others.

How can you get an Aflac pet insurance quote?

A quote can be requested online through the Aflac product page or via your employer's worksite benefits portal. Enter your pet's age and species first, then test deductible amounts between $0 and $1,750 to compare monthly costs.