American Pet Insurance Company Reviews

APIC is a New York property and casualty insurance company focusing solely on pet health insurance. It covers dogs and cats over 7 weeks old and operates across the United States through licensed partnerships. APIC partners with managing general agents including Pets Best and Trupanion to offer its services. It concentrates on underwriting, claims and other administrative functions, while its partners handle the various avenues through which its pet insurance products are made available to customers (otherwise known as distribution channels).

APIC operates through licensed partnerships with MGAs, which handle the distribution of its pet insurance products. At the time of publishing, its current MGAs are Pets Best and Trupanion.

You can file claims either through the MGA that sold you a policy or directly with APIC. The sign-up process involves contacting an MGA appointed by APIC. MGAs facilitate the enrollment process. Depending on the specific policy, APIC may have waiting periods for coverage to take effect, typically ranging from a few days to several weeks.

The two MGAs that work with APIC to provide pet insurance provide somewhat different coverages:

• Pets Best: Pets Best covers all dogs and cats older than 7 weeks. For accidents, there's a short waiting period of three days. Illness coverage begins after 14 days. One exception is conditions related to the canine cruciate ligament (CCL), which has a six-month waiting period. It offers optional coverage for routine/wellness care, prescription drugs and alternative care. Illness- or accident-related dental care is covered, but routine dental care is not included.
• Trupanion: Trupanion covers all dogs and cats older than 8 weeks and younger than 14 years. The waiting period for accidents is five days. For illnesses, it's 30 days. It provides optional coverage for prescription drugs, alternative care and behavioral therapy. Both hip dysplasia and hereditary/congenital conditions are covered. However, Trupanion does not offer routine/wellness coverage.

What American Pet Insurance Company does not cover

• Pets Best: Pets Best does not cover routine or wellness care without purchasing additional coverage. While it provides coverage for dental care in cases of illness or accidents, routine dental care is not included. There's limited coverage for exam fees, and some dental procedures may not be fully covered.
• Trupanion: Trupanion does not cover routine or wellness care at all. While it includes prescription drug coverage, certain elective procedures, like spaying or neutering, may not be covered. Additionally, it does not limit payouts for incidents, but coverage for exam fees may not be available.

As with most pet insurance providers, the cost of coverage from APIC can vary based on factors such as the type and age of your pet, your location and the level of coverage selected. For instance, Pets Best offers annual policies with deductible options ranging from $50 to $1,000 for illness and $250 for accidents.

On the other hand, Trupanion offers monthly policies with a per-condition deductible ranging from $0 to $1,000. APIC’s website does not include sample quotes. For a more accurate quote tailored to your specific circumstances, it's advisable to request a quote directly from APIC or one of its MGAs.

Yes, APIC is a legitimate insurance provider specializing in pet health insurance. APIC is a New York-based property and casualty insurance company licensed across the United States. It operates through partnerships with managing general agents including Trupanion and Pets Best to provide coverage for dogs and cats through various insurance products.

While it provides quick reimbursements, some customers may be put off by the lack of an online quote option. Overall, APIC is a viable option for pet owners seeking pet insurance with accessible customer service and fast turnarounds.