AVMA disability insurance review 2022

This veterinarian association offers many disability options and extra membership benefits.

  • Consider AVMA disability if… you have a veterinary degree or are enrolled in vet school.
  • Look elsewhere if… you want to skip paying membership dues.


Short term disability


Long term disability


Benefit period Short-term:8th, 30 days
Long-term: 30, 60, 90, 180 days
Waiting period Short-term: 0, 7, 14, 30, 60 or 90 days
Long-term: 60, 90, 180 days
Coverage amount Short-term: $200–$5,000
Long-term: $1,000– $12,500
Individual credit No info available
Available states All 50 states
Policy riders Yes
Simplified issue No info available


  • Likely cheaper disability insurance.
  • Student loan option.
  • Added membership perks.
  • Multiple coverage options.
  • Underwritten by New York Life.


  • Narrow maternity benefits.
  • Veterinary technicians need to look elsewhere.

Review by

Andrew Flueckiger is a licensed insurance agent and Certified Insurance Counselor with experience in insurance and finance. A graduate of Indiana University, Andrew contributes a wealth of knowledge and experience to Finder. When Andrew isn’t writing, reading or practicing insurance, he can be found spending time with his family and playing the guitar.

Expert review

AVMA disability insurance might be worth checking out if you qualify. Its competitive prices, multiple coverage options and extra benefits make membership a potentially worthwhile purchase. 
Its student loan option is an extra perk that’s nice to have. However, AVMA has pulled back its maternity benefits recently, and it’s only open to vets, not vet technicians or assistants. 
Check out other options by comparing disability companies to find a policy that best suits your needs. 

Built-in benefits and available policy riders

  • AVMA member discount. Being an AVMA member brings a whole host of perks, including career services, financial resources, networking events, continuing education and more.
  • Reduced rates. Disability insurance rates are only based on the group claims experience. When claims are low and the group funding exceeds operating expenses, the excess money is returned to you via lower costs or improved coverage.
  • Waiver of premium. AVMA will pay your premiums if you become disabled for at least six months and are under age 65.
  • Rehabilitation services.Once you’re ready to start rehabilitation, you can work with New York Life — the underwriter of AVMA’s policies — to customize a rehabilitation program suitable to you and that the company will pay toward.
  • Pregnancy is covered.Disabilities from pregnancy can be covered under a short-term disability policy, though there are restrictions and requirements.
  • Multiple waiting periods.Choose between 30-, 60-, 90-, or 180-day waiting periods to balance your premiums with coverage needs.
  • Up to $12,500 in coverage.Long-term disability pays 60% of your monthly earnings, up to $12,500.


  • Student loan coverage. This supplemental disability option pays for your student loan debt while you’re disabled.
  • Spouse disability. Your nonmember spouse can be covered for up to $500 a month if they are under the age of 65 and you carry at least $1,000 of long-term disability coverage.
  • Cost-of-living adjustment. Allows for your monthly benefit amount to reflect inflation and increased cost of living in the future.
  • Expanded own occupation. This lets you continue to receive partial disability payments even if you need to work in an alternative occupation.
  • Future benefit increase. Available to members under age 50, this option increases your monthly benefit amount over time.

Pros and cons of AVMA disability insurance


  • Likely cheaper disability insurance.Disability insurance through a group such as AVMA is often cheaper than buying an individual policy from a standard company.
  • Student loan option.AVMA offers a separate disability endorsement that covers student loan payments, which can take up a good portion of your monthly check.
  • Added membership perks.Disability insurance through AVMA means more than an insurance policy. As a member, you’ll have access to a wide range of resources that can help you.
  • Multiple coverage options. You should be able to find an option that works for both your needs and your budget, as AVMA offers different plans and options that you can customize to your needs.
  • Underwritten by New York Life.New York Life is one of the most financially sound life insurance companies in the country, which means you shouldn’t have too many concerns about its ability to pay out claims.


  • Narrow maternity benefits. AVMA only recently changed its maternity guidelines, requiring coverage to be in place for at least one year before kicking in and only paying out a maximum of 30 days’ worth of benefits.
  • Veterinary technicians need to look elsewhere. AVMA is specifically for veterinarians, which means veterinary technicians or other staff will have to look elsewhere for disability coverage.

Compare alternatives to AVMA

Name Product Coverage Amount Benefit period Waiting period Own Occupation Medical exam required
Policygenius Disability Insurance
$100 to $20,000
2, 5, or 10 years or until age 65 or 67
60 - 365 days
Depends on provider
Get matched with one of 15 top life insurance companies to find the best coverage and rates for you.
JRC Life Insurance
$500 to $20,000
2 year to lifetime
30 - 365 days
Compare policies up to $10 million from 45+ top insurance companies with the click of a button.
$500 to $20,000
1, 2, 5, or 10 years or until age 65 or 67
30 - 365 days
Secure long-term disability insurance online by filling out an easy 10-minute application, even if you're a high income earner.

Compare up to 4 providers

How to apply to AVMA disability insurance?

To apply, you must be a licensed veterinarian or enrolled in veterinary school. You can apply for membership on AVMA’s website.

  1. Click on the Membership tab on AVMA’s homepage.
  2. Select Join or renew on the dropdown menu.
  3. Click Join the AVMA.
  4. Select one of the three choices: if you are a veterinarian, a veterinary student or engaged in veterinary research.
  5. Create an online account
  6. Complete the rest of the application process.

Frequently asked questions about AVMA disability insurance

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