Last updated: 2 February 2026 | Independently verified by NZ pet insurance experts
AA Pet Insurance
Pet insurance from New Zealand's most trusted motoring and membership organization. AA Members receive exclusive discounts of 10-15%.
Monthly from (Standard)
AA Member Discount
Excess Available
AA Members in NZ
Why Choose AA Pet Insurance?
AA Pet Insurance is backed by New Zealand's most recognized membership organization with over 1.7 million members. The AA brand is synonymous with trust and reliability. AA Members receive exclusive discounts of 10-15% on premiums, plus access to $0 excess options that minimize out-of-pocket costs when claiming.
Trusted Brand
1.7M+ NZ members trust AA
Member Discounts
10-15% off for AA Members
$0 Excess Option
Minimize claim costs
5-Day Claims
Fast processing time
AA Insurance Plans
Standard Plan
Note: 75% reimbursement (lower than 80% industry standard)
Waiting period: 48 hours accidents, 21 days illness
What's Covered:
- ✓ 75% back on eligible vet bills
- ✓ Accident coverage (from 48 hours)
- ✓ Illness coverage (from day 22)
- ✓ Surgery and hospitalization
- ✓ Prescription medications
- ✓ Diagnostic tests (X-rays, MRIs, ultrasounds)
- ✓ Specialist referrals
- ✓ Emergency care 24/7
- ✓ Euthanasia costs covered
Not Included:
- ✗ Dental illness
- ✗ Alternative therapies
- ✗ Routine care
- ✗ Behavioral treatments
Premium Plan
Note: 75% reimbursement (lower than 80% industry standard)
Waiting period: 48 hours accidents, 21 days illness
What's Covered:
- ✓ 75% back on eligible vet bills
- ✓ All Standard Plan features
- ✓ Dental illness coverage
- ✓ Alternative therapies (acupuncture, physio)
- ✓ Behavioral treatments
- ✓ Routine care benefits ($200)
- ✓ Third party liability ($1M)
- ✓ Emergency boarding costs
- ✓ Lost pet advertising
Not Included:
- ✗ Pre-existing conditions
- ✗ Breeding costs
- ✗ Cosmetic procedures
Real Claim Examples
See how AA's 75% reimbursement works in practice with these real-world examples:
| Condition | Vet Cost | AA Pays | You Pay | Note |
|---|---|---|---|---|
| Hip Surgery | $5,000 | $3,750 | $1,250 + excess | 75% reimbursement |
| Diabetes Treatment | $1,200 | $900 | $300 + excess | After 21-day wait |
| Dental Extraction | $950 | $712 | $238 + excess | Premium plan only |
| Emergency Care | $3,500 | $2,625 | $875 + excess | After 48-hour wait |
AA Member Tip: With a 15% member discount plus $0 excess, AA can be very competitive despite the 75% reimbursement rate.
AA vs Other NZ Providers
| Feature | AA Pet | Southern Cross | PD Insurance |
|---|---|---|---|
| Annual Limit | $15,000 | $15,000 | $20,000 |
| Reimbursement | 75% | 80% | 80% |
| Min Excess | $0 | $0 (Plus) | $0 |
| Member Discounts | 10-15% | Multi-pet 10% | Multi-pet 10% |
| Routine Care | Yes ($200) | Yes ($200) | Yes ($300) |
| Brand Trust | High (AA) | High | Medium |
| Dental Illness | Yes (Premium) | Yes (Plus) | Yes (Deluxe) |
Pros
- ✓ AA Member discounts (10-15%)
Significant savings for existing AA members
- ✓ Trusted NZ brand
1.7M+ members trust AA with their insurance
- ✓ $0 excess option
Minimize out-of-pocket costs when claiming
- ✓ Higher senior pet age limits
Cats up to 12 years, dogs up to 9 years accepted
- ✓ Fast 5-day claims processing
Quick turnaround on claim reimbursements
Cons
- ! 75% reimbursement only
Most providers offer 80% reimbursement rate
- ! Best value requires AA Membership
Non-members pay full price without discounts
- ! Lower maximum limit ($15K)
PD Insurance offers up to $20K coverage
- ! Limited direct vet payment
Only available at some participating clinics
- ! 48-hour accident waiting period
Some providers offer immediate accident cover
AA Pet Insurance FAQs
What benefits do AA Members receive?
AA Members receive exclusive discounts on pet insurance premiums (typically 10-15% off), reduced excess options, and bonus routine care allowances on eligible plans. The discount applies for as long as you maintain your AA Membership.
How does AA's excess option work?
AA offers $0, $100, or $200 excess options on all plans. With $0 excess, you won't pay anything out of pocket beyond the 25% co-payment when you claim. Higher excess means lower premiums.
What is AA's claims process?
Claims can be submitted through the AA online portal, mobile app, or by email. Upload your vet invoice, clinical notes, and claim form. AA processes claims within 5 business days. Direct vet payments are available at some participating clinics.
Does AA Pet Insurance cover older pets?
Yes, AA accepts new policies for dogs up to 9 years and cats up to 12 years. Once insured, coverage continues for life with no upper age limit. Premiums increase with age but coverage remains comprehensive.
What's included in the optional wellness package?
The wellness package covers routine preventative care: vaccinations, dental cleaning, flea/tick/worm treatments, annual health checks, and microchipping. This is included in Premium Plan ($200 allowance) or can be added to Standard.
How does the multi-pet discount work?
Insure 2+ pets with AA and receive 10% off each additional pet's premium. Combined with AA Member discounts, you could save up to 25% on multi-pet policies.
Why is AA's reimbursement 75% instead of 80%?
AA's 75% reimbursement keeps premiums competitive while still providing comprehensive coverage. The $0 excess option helps offset the slightly lower reimbursement rate. Many pet owners find the trade-off worthwhile for the AA brand trust.
Can I use my AA Membership benefits with pet insurance?
Yes, your AA Membership provides discounts on pet insurance premiums. You also get access to AA's broader support network, including roadside assistance if you're transporting your pet and break down.
Learn More About Pet Insurance
Get Your AA Pet Insurance Quote
AA Members save up to 15% on pet insurance premiums