The American Pet Insurance Company (New York) Contacts, Coverage, Enrollment, Benefits and FAQs

The American Pet Insurance Company (New York) has a reputation for its speedy and uncomplicated claims process.

Pet owners can submit a claim online or via the phone. APIC usually pays back claims within 15 business days.

APIC is a well-respected pet insurance provider known for excellent customer service. They offer a range of pet insurance plans, and their claims process is both fast and straightforward.

American Pet Insurance Company (APIC)
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American Pet Insurance Company (New York)

APIC operates as a property and casualty insurance company based in New York, exclusively specializing in marketing and underwriting pet health insurance across the United States.

Trupanion, Inc., a pet health insurance provider in Canada and the United States, owns APIC.

APIC doesn’t directly sell pet insurance to individuals.

Instead, it forms partnerships with various companies, including pet food brands, veterinary clinics, and animal welfare organizations, allowing them to provide pet insurance under their own brand names.

This approach enables APIC to extend its services to a broader audience of pet owners, granting them more choices concerning coverage and pricing.

APIC offers a range of pet insurance plans, such as accident-only, comprehensive, and wellness plans.

Accident-only plans cover expenses related to accidents and injuries, while comprehensive plans encompass both accidents and illnesses.

Wellness plans cater to routine veterinary care costs, including checkups and vaccinations.

Phone Number and Contact Details

Company Name: | American Pet Insurance Company | | Address: | One World Trade Center, 185 Greenwich Street, 78th Floor, New York, NY 10007 | | Phone: | 1-800-260-7676 | | Email: | Contact Us Page | | Customer Service Hours: | Monday through Friday from 8:00 AM to 6:00 PM EST |

How does American Pet Insurance Company (New York) work?

APIC provides a broad range of customizable plans. This means you can tailor the plans to fit your budget.

One of the company’s standout features is the variety of options.

Unlike other insurers that offer fixed plans, APIC’s flexibility allows you to align the coverage with your pet’s specific needs.

Since American Pet Insurance offers a wide array of plans, the costs and coverage limits can differ significantly.

Take your time to explore the options and choose the one that best matches your requirements.

Keep in mind that adjustable reimbursement rates and deductibles can lead to varying premium costs, so factor this into your evaluation of potential pet insurance plans.

American Pet Insurance, along with its affiliated companies AKC, Pets Best, and Trupanion, has earned an A+ rating from the Better Business Bureau.

This rating reflects the company’s commitment to customer satisfaction.

They achieved this high rating through fair and efficient business practices, professional complaint handling, and dependable customer service.

Coverage Options

APIC’s wellness plans are available with three different levels of coverage:

  • Bronze: This plan covers the cost of preventive care, such as annual checkups and vaccinations.
  • Silver: This plan covers the cost of preventive care, plus additional services such as dental cleanings and spay/neuter surgery.
  • Gold: This plan covers the cost of preventive care, plus additional services such as grooming and flea and tick prevention.

What is not covered by APIC’s pet insurance plans:

  • Pre-existing conditions
  • Elective procedures
  • Routine grooming
  • Food and water
  • Cremation or burial costs

Enrollment at American Pet Insurance Company (New York)

To get your pet enrolled in an American Pet Insurance Company (APIC) plan, reach out to one of APIC’s partners. APIC doesn’t directly sell pet insurance to individuals.

When you connect with a partner, they’ll assist you in selecting the best plan for your pet and your budget. They’ll also guide you through the enrollment process.

Tips for enrolling your pet in an APIC pet insurance plan

  1. Compare Plans: Before enrolling, compare plans from different partners to find the one that fits your budget and needs.
  2. Read the Fine Print: Make sure to carefully read the fine print before enrolling. This will help you understand what your plan covers and what it doesn’t.
  3. Gather Information: Have all the necessary information ready when you enroll. This includes your name, address, phone number, and your pet’s name, breed, and age.
  4. Ask Questions: Don’t hesitate to ask your partner any questions you may have about the enrollment process or the plan you’re considering.

Waiting Periods

American Pet Insurance Company (New York) sets waiting periods for its accident-only and comprehensive plans as follows:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate ligament issues, patella issues, and hip dysplasia: 6 months

During these waiting periods after your policy begins, your pet won’t be covered for accidents or illnesses.

The sole exception is if your pet has a pre-existing condition without symptoms for 180 days to 12 months. In this scenario, APIC will provide coverage after the 14-day illness waiting period.

How much does American Pet Insurance Company (New York) charge?

The price of pet insurance from American Pet Insurance Company (APIC) depends on several factors.

These include the type of plan you select, the deductible, reimbursement rate, annual benefit, and your pet’s age, breed, and health.

The North American Pet Health Insurance Association reports that the average monthly premium for pet insurance in the United States is $44.66 for dogs and $27.93 for cats.

APIC’s plan costs can be higher or lower than this average, based on your choices.

Benefits of Choosing APIC (New York)

  1. Financial Protection: APIC’s pet insurance safeguards your finances from unforeseen veterinary care expenses.
  2. Peace of Mind: You can have peace of mind knowing that your pet is insured, ensuring they can receive necessary care even if you can’t pay for it upfront.
  3. Diverse Coverage Options: APIC provides a range of pet insurance plans to suit your budget and needs.
  4. Quick Claims Process: APIC is recognized for its speedy and straightforward claims process. Pet owners can submit claims online or over the phone, and APIC usually reimburses within 15 business days.
  5. Great Customer Service: APIC maintains a strong reputation for excellent customer service, assisting pet owners with the claims process and any questions regarding their pet insurance plan.
  6. Accident Coverage: If your pet has an accident and requires surgery, APIC helps cover the surgery costs.
  7. Chronic Illness Support: In case your pet develops a chronic illness like cancer or diabetes, APIC can assist with ongoing treatment expenses.
  8. Travel Coverage: Should your pet fall sick or get injured during a trip, APIC can help cover veterinary care costs while you’re away from home.

Frequently Asked Questions (FAQs)

Q: What is the difference between accident-only and comprehensive plans?

A: Accident-only plans cover the costs of accidents and injuries like broken bones, cuts, and poisonings. Comprehensive plans, on the other hand, cover both accidents and illnesses such as cancer, diabetes, and allergies.

Q: What is a wellness plan?

A: A wellness plan takes care of routine veterinary expenses, such as checkups and vaccinations.

Q: How much does APIC pet insurance cost?

A: The price of APIC pet insurance depends on your chosen plan, deductible, reimbursement rate, annual benefit, and your pet’s age, breed, and health.

Q: Does APIC offer any discounts?

A: Yes, APIC provides various discounts, including multi-pet discounts, military discounts, and employee discounts.

Q: What is the waiting period for APIC pet insurance?

A: APIC enforces a 3-day waiting period for accidents, a 14-day waiting period for illnesses, and a 30-day waiting period for wellness plans.

Q: What is not covered by APIC pet insurance?

A: APIC pet insurance does not cover pre-existing conditions, elective procedures, routine grooming, food, water, cremation, or burial costs.

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