You have seen the company’s popular duck commercials, but what kind of insurance does Aflac actually have?

 
 

In this review, we will take a closer look at Aflac insurance reviews, coverage, quotes, and more. Aflac specializes in supplemental insurance policies. Some 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.

 

In this article:

 


 

Aflac Insurance Overview

Aflac, which stands for American Family Life Assurance Company, is a supplemental insurance provider based in Columbus, Georgia, where it was founded in 1955. While is not accredited by the Better Business Bureau (BBB), it does have an A+ rating from the BBB.

Although the name is similar, note that the company is in no way affiliated with American Family insurance

Aflac does not offer standard comprehensive insurance, such as life, car, healthcare, or renters/home insurance. Rather, the provider offers supplemental insurance products, which can be purchased to complement an existing standard insurance policy.

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.

Having supplemental insurance 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 this out of pocket. With Aflac or another supplemental insurance company, you get coverage for this expense and retain your financial standing. That being said, if you have a great car insurance policy to begin with, you might already be covered.

 


 

Aflac Insurance Plans

As mentioned, Aflac does not offer standard comprehensive insurance plans, but rather supplemental insurance.

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 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.

 

Considering you cannot get Aflac auto 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 Quotes And Claims Processes

As stated above, some policies from Aflac are only available through an employer. Business owners can provide the insurance 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.

If you need to file a claim, you should 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.

 


 

Aflac Insurance 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 2.6 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

Negative Aflac Insurance Reviews

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

 


 

Our Take On Aflac Insurance: 4.0 Stars

We rate Aflac Insurance 4.0 out of 5.0 stars overall. 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

 

 
 

Since Aflac car insurance is not available, we recommend taking a look at other top providers for your automotive needs below.

You can Motor1's designated quotes team at (844) 246-8209 for free, personalized quotes. This tool can help you in deciding on your base insurance policy:

 
 

 


 

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

5.0

A++

900 / 1,000

900 / 1,000

Geico

4.5

A++

879 / 1,000

867 / 1,000

Progressive

4.5

A+

856 / 1,000

848 / 1,000

State Farm

4.5

A++

878 / 1,000

860 / 1,000

 
 

*J.D. Power statistics are from the 2019 U.S. Auto Claims Satisfaction Study and the 2020 U.S. Insurance Shopping Study.

USAA Insurance logo

USAA: Best For Military

Looking at any of the studies performed by J.D. Power in 2020, 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 Insurance logo

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 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.

 
 

 


 

FAQ: Aflac Insurance Reviews

Is it possible to get Aflac car insurance?

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.

What kind of insurance does Aflac offer?

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.

What are the benefits of Aflac insurance?

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.

 

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