accident-only pet insurance explained

We may not be able to stop your pet from finding trouble, but we can take some of the stress out of the unexpected. An Accident-Only plan gives you peace of mind knowing you have coverage for unexpected injuries.

common questions

  • What’s Covered?

    Accident-Only is our accident and emergency pet insurance plan that can get you cash back for the eligible costs of vet care in the chance of an unexpected accident. It covers pet injuries and emergencies like bite wounds, broken bones, swallowed objects, and toxic ingestions. It also covers all sorts of diagnostic services and treatments prescribed for accidents, such as X-rays, MRI, ultrasounds, blood work, sutures, medications, hospitalization, and surgery.

  • What’s considered an “accident” or ”accidental injury”?

    An accident is a sudden, unpreventable event that causes physical injury to your pet, like car accidents, falls, snake bites, stepping on glass, and eating grapes, chocolate, or an entire tennis ball. The resulting injuries are distinct from illnesses like hip dysplasia, viral infections, or parasites, as they are not due to your pet developing a health problem. There are many things that we qualify as accidental injuries for dogs and cats, including:

    • Swallowed Objects

    • Bite Wounds

    • Cuts & Lacerations

    • Fractured teeth

    • Broken Bones

    • Toxic Ingestions

  • Who should get Accident-Only insurance?

    Accident-Only insurance is helpful for any pet parent. However, it can be particularly beneficial for highly energetic animals or certain breeds known to be playful, extremely curious, or mischievous. It also serves as a more affordable way for pet owners on a tight budget to help manage the eligible costs of emergency veterinarian care.

  • Does Accident-Only pet insurance cover illnesses?

    No, our Accident-Only plan only covers eligible expenses of pet emergencies, accidents, or unexpected injuries. If you want a plan with illness coverage, consider Complete CoverageSM, our extensive pet insurance plan offering protection against everything you’d expect—and more!

  • What’s not covered in an Accident-Only plan?

    Along with pre-existing conditions, an Accident-Only plan does not cover illnesses, hereditary conditions, behavioral issues, dental illness, and preventive care. For a full list of exclusions, view a sample plan.

  • How does it compare to Complete CoverageSM?

    When researching insurance for your cat or dog, it’s important to compare pet insurance plans and policies so you can find the one that best fits you and your 4-legged friend. If you’re looking for a financial cushion for unexpected accidents and emergencies, an Accident-Only plan may be the purr-fect plan for you. It covers your pet for all sorts of injuries, from minor bumps and bruises to broken bones and deep lacerations. You won’t have the broad coverage offered by Complete CoverageSM which includes illnesses, hereditary conditions, and behavioral issues, but your premium will be lower.

  • Can I add preventive care coverage?

    Absolutely! Preventive Care, our pet wellness insurance, reimburses you for the eligible costs of routine care and wellness services that help your pet live a long and healthy life. It can be added to your Accident-Only plan for as little as $9.95 a month.

the cost of pet insurance for accidents and emergency care

Emergency vet care for accidents and injuries can be expensive. In fact, emergency care can cost two to three times more than your usual vet bill. Accident-Only covers all sorts of diagnostic services and treatments prescribed for emergencies and injuries. Your premium will depend on your plan, as well as where you live and the species, breed, and age of your pet. Other factors that will impact your premium are the reimbursement percentage, annual deductible, and annual coverage limit you select. We keep these features customizable so it’s easier to find a plan that fits your pet’s needs and your monthly budget.

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common petaccidents & injuries

  • Accident Insurance for Dogs

    provides coverage for accidental injuries, like…

    • Swallowed objects

    • Poisoning/Toxicity

    • Dental injuries

    • Torn or Broken Nail

    • Bite Wounds

  • Accident Insurance for Cats

    provides coverage for accidental injuries, like…

    • Swallowed objects

    • Heat stroke

    • Eye injuries

    • Cuts & Lacerations

    • Fractures & Broken bones

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more info on accident insurance for pets

a dog sitting in the grass
  • What's Covered

    An Accident-Only plan covers the cost of emergency vet care including exam fees, diagnostics, and treatment for accidents and injuries. If you’re in search of a more robust pet insurance plan, we also offer Complete CoverageSM.

  • Do I Need Accident Insurance for My Pet?

    Many times, an unexpected veterinary bill means adding to your credit card debt or draining a savings account. Pet accident insurance can help you provide your pet with the best care possible, even when it comes with a high price tag.

  • Pet Insurance in Plain English

    Annual deductibles, annual coverage limits, exclusions, pre-existing conditions, etc. When you’re looking into pet insurance, it can feel like you need to learn a whole new language. This quick guide can help you understand what it all means.

  • How Does Accident Insurance for My Pet Work?

    Pet accident insurance is insurance for pet emergencies. It covers the cost of treating certain injuries and accidents, so you can get cash back for the covered costs of expensive emergency care. Simply visit your vet, submit your claim, and get reimbursed for covered services.

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