American Pet Insurance Company (APIC) Review

vet holding white terrier with American pet insurance

The American Pet Insurance Company (APIC) has been in business in its current form since 2012, focusing solely on marketing and underwriting pet health insurance throughout the United States. The APIC has been a subsidiary of Trupanion since 2007.

American Pet Insurance is best known for providing coverage for cats and dogs via Trupanion, American Kennel Club (AKC), and Pets Best.

American Pet Insurance Company Logo

How Does American Pet Insurance Work?

American Pet Insurance offers a wide range of customizable plans. The degree of customization that is offered by American Pet Insurance suggests that its plans are able to suit almost any budget. Variety is one of the company’s biggest selling points, as other insurance providers may only offer fixed plans, which may not fit your or your pet’s needs.

Due to the breadth of the various plans available through American Pet Insurance, the costs and coverage limits can vary widely. It’s best to study the options carefully to find a pet insurance plan that really suits your needs.

Adjustable reimbursement rates and deductibles can mean fluctuating premiums, so bear this in mind when examining potential pet insurance plans.

American Pet Insurance and its associated companies AKC, Pets Best, and Trupanion have all been awarded an A+ rating by the Better Business Bureau, which is indicative of a company that puts customer satisfaction at the forefront of its operations.

The company earned this high rating by conducting business fairly and efficiently, dealing with complaints professionally and providing reliable service to its customers.

Coverage Options

The American Pet Insurance Company has many customizable medical plans for cats and dogs, as well as optional wellness coverage to help keep pets feeling and looking their best.

Customers can get a plan that suits their financial needs by choosing deductible limits and add-on treatments. For example, routine dental care is covered at an additional cost.

When you insure your pet with American Pet Insurance, you are free to take it to any veterinarian for treatment. This freedom of choice is commonplace in the U.S. pet insurance industry and is always a positive aspect of working with a pet insurance provider.

Only a few of American Pet Insurance’s competitors restrict you to using a pre-approved network of vets.

Enrollment

vet holding white terrier with American pet insuranceAmerican Pet Insurance administers plans for cats and dogs that are older than eight weeks, with some plans having an upper age limit of 14 years and some plans having no upper age limit at all.

It’s standard in the U.S. pet insurance industry to have a minimum age limit of around eight weeks, and the upper age limit of 14 years is standard practice too. However, plans that have no upper age limits stand out in the market as an uncommon and noteworthy practice.

This provision is something to consider if you have an older pet that you want to insure through to the end of their life.

Waiting Periods

It’s crucial to look at waiting periods when you’re on the hunt for a pet insurance provider, as any conditions that emerge before the coverage officially begins may be considered a preexisting condition and might not be covered by your insurance.

The plans offered by American Pet Insurance have either three- or five-day waiting periods for accidents and 14- or 30-day waiting periods for illnesses. The illness waiting period is customary. There are, however, some providers out there that have no waiting period at all for illnesses.

The range of medical treatments available through American Pet Insurance is well within the typical offering of its major competitors.

Standout features of some of the plans it offers include prescription drug coverage and optional coverage for alternative care and behavioral therapy.

What’s Covered With American Pet Insurance?

The wellness coverage available with American Pet Insurance is on par with the wellness coverage that’s offered by its competitors and includes coverage for non-medical issues, such as advertising and reward costs if your pet goes missing.

The following is a list of illnesses and treatments that can be covered by American Pet Insurance:

Medical Conditions

  • Cancer
  • Accidents
  • Hereditary Illnesses
  • Dental Conditions
  • Chronic Illnesses such as Diabetes

Medical Treatments

  • Alternative Care
  • Emergency Care
  • Hospitalization
  • Prescription Medications
  • Specialty Care
  • Surgery

Wellness Treatments

  • Deworming
  • Flea Prevention
  • Parasite Prevention Treatment
  • Wellness Exams

How Much Does American Pet Insurance Cost?

It can pay off to shop around when you’re looking for pet insurance. It may take a little longer, and you may have to look at items that you don’t feel are entirely relevant in the process, but it’s worth the extra work in the long run.

On your journey to getting the best pet insurance, there are a few things that you should keep in mind.

The customizable plans available from American Pet Insurance let you modify coverage to suit your budget. The price you pay for your premium is impacted by whether you’re insuring a cat or dog, the breed of your furry friend, and the age of your pet.

Older pets are usually more expensive to insure as there is an increased likelihood of age-related illnesses developing.

Certain breeds can be genetically predisposed to serious conditions which may lead to a more expensive insurance policy. For example, Dalmatians have a genetic deficiency which leaves them prone to bladder stones, and this condition requires emergency surgery that can be quite costly.

The North American Pet Health Insurance Association claims that as of 2017, the average monthly premium for accident and illness coverage is $44.66 for dogs and $27.93 for cats.

American Pet Insurance offers plans via Trupanion, Vets Best, and AKC Pet Insurance that fall on the higher and lower side of this average.

The higher the coverage caps and reimbursement rates that are selected, the more expensive the monthly premium is. This connection is something to consider if you’re looking to insure your pet on a tight budget.

American Pet Insurance’s basic plan, delivered via Trupanion, is one of the most all-encompassing plans available today. The age factor is fixed at the time of enrollment, so you won’t find yourself paying more as your pet gets older.

Whether it’s a cat or a dog you’re insuring, Trupanion offers simple plans that cover a wide range of illnesses.

Costs are reimbursed at 90 percent, and there are no payout limits, which means your pet will never be without veterinary care when they need it. As with most of its competitors, exam fees and preexisting conditions aren’t covered by the insurance policy.

American Pet Insurance Customer Service

The American Pet Insurance Company has received a rating of A+ from the Better Business Bureau.

While American Pet Insurance has a reported average of zero complaints filed annually, according to the BBB, AKC, Pets Best, and Trupanion have, respectively, an average of 6, 53, and 72 complaints filed over three years.

These numbers are fairly similar to other providers and are not an indicator of poor performance. For example, Healthy Paws displays a closed complaint record of 48 and Hartville Pet Insurance has 15 over the same three-year time span.

When you’re in the market for pet insurance, you want to make sure that you get the best deal possible. A vital part of any purchase is to look at customer reviews online.

When you’re examining American Pet Insurance reviews, you’ll learn much more about the company than you would from browsing its website. The knowledge that you may get from a current or former customer can often help you make your mind up.

Pets Best offers a unique 24/7 veterinary support line for its policyholders operated by whiskerDocs®, which can help when you’re concerned about symptoms that your pet’ is displaying but your local vet isn’t open.

How To File A Claim

Trupanion aims to fulfill all claims within 60 days and has the means to pay your vets directly, which is a standout feature of the company. This claims process is fairly standard procedure with Trupanion.

Once you have a claims form from your veterinarian, which is generally given to you after making a payment for the services you’ve received, you simply send the form to Trupanion and it will square things with your vet.

Trupanion is a founding member of the The North American Pet Health Insurance Association, which requires its members to share data and work together to improve the pet insurance industry.

Pets Best’s premiums aren’t impacted by the number of claims that you file—a real bonus if your pet has a bad year of constant illness. Customers who pay via direct deposit are often reimbursed within a week.

American Pet Insurance Phone Number & Contact Information

  • Homepage URL: http://americanpetinsurance.com
  • Company Phone: 877.589.1841
  • Headquarters Address: 6100 4th Ave South, Suite 200, Seattle, WA 98108
  • Year Founded: 2012

*While we make every effort to keep our site updated, please be aware that “timely” information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.