Accident-only pet insurance is a type of pet insurance that covers the cost of veterinary care for accidents, but not illnesses. This type of insurance can be a good option for pet owners who are worried about the cost of unexpected accidents, such as being hit by a car or falling from a window.

What Does Accident-Only Pet Insurance Cover?

What is Covered by Accident-Only Pet Insurance?

Accident-only pet insurance typically covers the following:

  • Emergency room visits
  • Surgery
  • Hospitalization
  • Diagnostic tests
  • Medication
  • Rehabilitation

Some policies may also cover the cost of euthanasia if your pet is injured in an accident and cannot be saved.

What is Not Covered by Accident-Only Pet Insurance?

Accident-only pet insurance does not cover the cost of veterinary care for illnesses, such as cancer, diabetes, or arthritis. It also does not cover the cost of routine care, such as checkups, vaccinations, or dental cleanings.

How Much Does Accident-Only Pet Insurance Cost?

The cost of accident-only pet insurance varies depending on a number of factors, including the age, breed, and size of your pet, as well as the deductible and coverage limits you choose. However, you can expect to pay between $10 and $50 per month for accident-only pet insurance.

Is Accident-Only Pet Insurance Right for You?

Accident-only pet insurance can be a good option for pet owners who are worried about the cost of unexpected accidents. However, it is important to understand what is and is not covered by this type of insurance before you make a decision.

Here are some things to consider when deciding if accident-only pet insurance is right for you:

  • The age and health of your pet. If your pet is older or has a pre-existing condition, you may be better off with a comprehensive pet insurance policy that covers both accidents and illnesses.
  • Your budget. Accident-only pet insurance can be more affordable than comprehensive pet insurance, but it is important to make sure you can afford the monthly premiums and the deductible.
  • Your lifestyle. If you take your pet on a lot of adventures, such as hiking or camping, accident-only pet insurance may be a good option for you.

If you are not sure if accident-only pet insurance is right for you, talk to your veterinarian or a pet insurance agent. They can help you understand your options and choose the best policy for your pet.