Aflac Insurance Reviews: Cost & Coverage Plans (2022)
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Advertiser Disclosure
Although there are no traditional Aflac auto insurance policies, the company does specialize in supplemental insurance coverage. Some plans are available directly to the consumer, while others must be purchased through an employer. But what exactly does this mean? In short, Aflac auto insurance isn’t available outright, but there are a variety of coverages that could be beneficial to you after a car accident.
Whenever you shop for car insurance, we recommend getting quotes from multiple of the best auto insurance providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.
Use our tool above to start comparing free, personalized car insurance quotes.
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Aflac Insurance Review
We rate Aflac Insurance 3.0 out of 5.0 stars overall due to their lack of traditional insurance options and reliance on other companies. While is not accredited by the Better Business Bureau (BBB), it does have an A+ rating from the BBB. Some of the company’s supplemental policies may serve you well as additions to your existing car insurance policy, but Aflac cannot cover your vehicle or damage you may cause in an accident.
Aflac Pros
Aflac Cons
Offered through workplace
No traditional auto insurance policies
Easy-to-file claims
Need another company for auto insurance
Affordable plans
About Aflac Insurance
Aflac, which stands for American Family Life Assurance Company, is a supplemental insurance provider based in Columbus, Georgia, where it was founded in 1955. Although the name is similar, note that the company is in no way affiliated with American Family insurance.
What Is Supplemental Insurance?
Supplemental insurance is a type of insurance that is intended to fill in the holes that leave you financially vulnerable. While you may already have car insurance, supplemental insurance can help cover car insurance deductibles, underpayments by your insurance company, out-of-pocket medical expenses, and more.
Is Aflac Worth It?
Aflac can be worth it if your coverage for your workplace plan or personal plan is lacking in certain areas that you need. Aflac Insurance does offer affordable plans and it is easy to file a claim, but its need to use other providers can be daunting. Most of all, Aflac does not offer comprehensive coverage, which limits coverage on damages to your vehicle or other things in an accident. While Aflac can help if your current policy lacks coverage, you won’t need it if you already have a comprehensive plan.
What Does Aflac Cover?
Aflac covers you through supplemental insurance products, which can be purchased to complement an existing standard insurance policy. Aflac does not offer standard comprehensive insurance such as life, car, healthcare, or renters/home insurance and so provides coverage that might not be in your insurance policy.
What is Aflac Insurance?
Aflac Insurance is a supplemental health insurance provider that pays out benefits to you if you have an accident or are sick. Aflac pays your claims through benefit checks to use for whatever expenses come when you are hurt or sick. These checks can be used for anything from transport costs to and from medical facilities to even groceries. When you get an Aflac policy it does not end and transfers even when you change jobs or retire.
Aflac Insurance Plans
As mentioned, Aflac does not offer standard comprehensive insurance plans, but rather covers you through supplemental insurance. Below are the plans offered by Aflac that can be done through your workplace or directly purchased.
Policies Available Through The Workplace
Some of Aflac’s insurance policies are only available through an employer. These include:
Insurance Policy
Details
Life Insurance For Adults
If a covered adult dies unexpectedly, the family will receive the financial support needed. Some options don’t require a health exam.
Hospital Insurance
Paying hospital bills is easy with supplemental insurance. The average hospital bill costs more than $10,000, and the majority of Americans can’t cover the expenses that medical coverage doesn’t pay for, including the deductible.
Short-Term Disability Insurance
After an illness or injury, you might want benefits to cover your loss of income. With this plan, Aflac ensures a smooth transition while the policyholder is recovering.
Vision Insurance
This policy covers expenses for a yearly exam, certain eye surgeries, and other visual impairment concerns.
Policies Available Through The Workplace Or Directly To Consumers
You are also able to purchase certain types of auto insurance coverage either through your employer or contact the company directly to establish your own policy.
Insurance Policy
Details
Accident Insurance
This plan covers medical treatment after any type of accident, whether in a car or at home. It also includes any treatment-related lodging and transportation.
Cancer Insurance
About 1.8 million people are diagnosed with cancer every year. With this coverage, radiation, other medical expenses, travel, and lodging are covered.
Critical Illness Insurance
A hospitalization from a heart attack costs an average of $53,384, while strokes average $31,218. With supplemental insurance, you won’t have to worry about how to pay those medical costs.
Dental Insurance
Aflac pays for the deductible and other dental expenses not covered by insurance.
Life Insurance For Children
If a covered child dies unexpectedly, the family will receive the financial support needed. As with the adult life insurance, some options don’t require a health exam.
Aflac Car Insurance
Considering you cannot get Aflac car insurance, several of these plans would serve as a supplement to your existing car coverage. Here are a few that may apply:
- Accident insurance: If you are involved in a car accident and suffer injuries beyond what your auto policy covers, Aflac will pick up the bill.
- Life insurance: If the policyholder dies in a car accident, the beneficiaries receive the agreed-upon payout.
- Hospital insurance: Even after a small fender bender, you could end up with a substantial hospital bill. Supplemental insurance covers the gap between what your auto policy covers, what your medical insurance takes care of, and what the total bill is.
- Short-term disability insurance: If an accident leaves you temporarily disabled, or in need of rehabilitation, you can receive lost wages and coverage for medical expenses.
Aflac Insurance Claims Process
If you need to file an Aflac insurance claim, you can do so online through Aflac SmartClaim. This system allows policyholders to file claims quickly. It is also available through the MyAflac mobile app. After your information is submitted online through Aflac, you might be eligible for One Day Pay.
How Much Does Aflac Cost?
Aflac policies are typically between $8 to as much as $25+ per month on average. We derived average premium rate estimates from the data obtained from Quadrant Information Services ranging from $1,000 to $3,000 for a 35-year-old with good credit and a spotless driving record.
Aflac Insurance Quote
As stated above, some policies from Aflac are only available through an employer. Business owners can provide the insurance cost quotes you need on these products. If you are interested in one of the products available directly to consumers, you can begin the quote process online through the Aflac website.
Aflac Insurance Customer Reviews
Lots of companies can claim to be the best, but until you look at customer reviews, it’s hard to believe those claims. When looking at Aflac customer reviews, we noticed that many of them were negative or complained about customer service. In fact, customers rated it a 2.5 out of 5.0 stars on Trustpilot at the time of publication, which corresponds to a rating of ‘poor.’
Positive Aflac Insurance Reviews
Not all reviews are negative. Below is an Aflac insurance review from a customer who had a great experience filing a claim and using Aflac’s mobile app.
“Did just what they said they were going to do. Had a claim and they paid it direct deposit to my bank account. Make sure you have the smart claim app on your phone and that you set up to be paid via direct deposit. If you need help reach out to your agent they should be able to help.”
– Anonymous via BBB
Aflac Insurance Complaints
As mentioned, many customers complained about their customer service. Below are examples of policyholders who were dissatisfied with Aflac.
“I signed up with Aflac through my [employer’s] insurance, and I have only filed one claim and this has been the worst insurance company I have ever had to deal with. It has been six months since I filed the claim, and I am still fighting with them to get this paid. I am sure that they create all of these hoops to jump through hoping that we will just give up and then they won’t have to pay the claim.”
– Kimberly T. via BBB
“Terrible customer service. Our rep is missing in action.”
– Louanne H. via BBB
Aflac Insurance: Do I Need It?
Having supplemental insurance through Aflac could mean the difference between being financially stable and owing a hospital thousands of dollars after a car accident, especially if you don’t carry enough auto insurance to cover a catastrophe. But is supplemental insurance really necessary?
Let’s say you were involved in an accident that led to a $3,500 medical bill. While your auto insurer may pay for part of the expense, you might have to pay the rest out of pocket. Many health insurance deductibles can be in the thousands. With Aflac or another supplemental insurance company, you get coverage for this expense. That being said, if you have a great car insurance policy to begin with, you won’t need supplemental coverage.
Aflac Insurance Rating: Conclusion
We rate Aflac Insurance 3.0 out of 5.0 stars due to not offering traditional insurance options and their need to go through other companies. Aflac can be a good option if your current policy lacks coverage, but overall coverage is limited. Our team recommends that you shop around and compare insurance offerings before committing to a provider.
Aflac Auto Insurance: Compare Quotes
Since Aflac car insurance is not available, we recommend taking a look at other top providers for your automotive needs below.
This tool can help you in deciding on your base insurance policy:
Aflac Auto Insurance Competitors: Top Companies
To find a reliable provider that will keep you protected on the road, we recently evaluated the best auto insurance companies on the market. Here’s a look at the four providers that came out on top, as well as a further breakdown of USAA and Progressive.
Top Providers
Motor1 Rating
AM Best Financial Strength Rating
J.D. Power Claims Satisfaction Rating
J.D. Power Shopping Rating
USAA
4.8
A++
909 / 1,000
902 / 1,000
Geico
4.6
A++
881 / 1,000
869 / 1,000
Progressive
4.6
A+
862 / 1,000
856 / 1,000
State Farm
4.6
A++
892 / 1,000
872 / 1,000
*J.D. Power statistics are from the 2020 U.S. Auto Claims Satisfaction Study and the 2021 U.S. Insurance Shopping Study.
USAA: Best For Military
Looking at any of the studies performed by J.D. Power in 2020 and 2021, it’s clear that USAA car insurance is an industry leader. The car insurance company excelled in the Claims Satisfaction Study, tying for first place, and ranked only behind the regional Erie Insurance in the Shopping Study. However, USAA coverage is only available to military members, veterans, and their families. To learn more, read our USAA auto insurance review.
USAA provides standard auto insurance coverage and a few extras:
Additional Coverage
Details
Accident forgiveness
Keep the same rate, even after you are found to be at fault for an accident.
Roadside assistance
Get additional compensation for towing, flat tire changes, lockout services, fuel deliveries, battery jump-starts, and more.
Rental reimbursement
Receive compensation for a rental vehicle after a covered accident.
Progressive: Best For High-Risk Drivers
Another big player in the insurance industry, Progressive is known for its variety of coverage choices and discounts. In our Progressive auto insurance review, we found that Progressive has an A+ financial strength rating from AM Best. It also received average or better marks on the Claims Satisfaction Study and Shopping Study from J.D. Power.
Along with standard coverage choices, you can add these types of auto insurance coverage to your policy:
Additional Coverage
Details
Roadside assistance
Receive fuel delivery, towing, and other roadside services.
Gap coverage
While it’s not the same as standard guaranteed asset protection, Progressive pays an extra 25 percent of the actual cash value when your car is totaled. This additional payment is used toward the loan or lease, but it might not completely cover it.
Rental reimbursement
Progressive offers $30 to $50 a day for a rental car with this policy. You choose the term agreement when you sign up for coverage.
Custom parts value
If your vehicle contains aftermarket parts, you can add this protection. Progressive ensures that these components are replaced with the same equipment after a loss.
Aflac Insurance Reviews: FAQ
Aflac does not offer car insurance. Instead, the company has a variety of supplemental insurance coverages that complement existing auto policies. Some of the options include accident insurance, hospital insurance, and short-term disability insurance.
Aflac provides supplemental insurance for individuals, families, and businesses. You can get a policy to cover preventative care, illness, or death. Some plans are directly available to consumers, while others must be purchased through an employer.
Supplemental insurance policies may provide financial peace of mind. Policyholders have access to funds to pay out-of-pocket medical expenses and other bills related to injury, illness, or death with certain Aflac policies.
Aflac’s supplemental insurance is good for filling in gaps on your insurance policy if a major accident happens to you. This is not typical for most comprehensive plans, but it can help reduce the cost you pay for deductibles overall.
How much Aflac costs can vary, but it typically ranges from $8 dollars to just above $25 dollars on average. The price of Aflac insurance depends mainly on health factors, the provider it works with, and the coverage plan you chose.
To cancel an Aflac insurance policy you can call a representative at 800-992-3522 and give them your policy number and customer details. Once the cancellation is successful, you will receive a confirmation in the mail.
You can cancel an Aflac policy online by going to their customer service page, submitting a form with your contact information and policy number, and then putting that you want to cancel your policy in the request field. Once you are done, submit and wait for a confirmation from a representative or through the mail.
Methodology
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services, and telematics are more likely to meet consumer needs.
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