Accident and Illness Coverage


Accident & illness plans are the standard type of policy. They are by far the most common type of pet insurance plans purchased, accounting for over 98% of all policies sold.

This type of policy covers veterinary treatment for unexpected health issues like broken bones, torn ligaments and long-term diseases like cancer.


Coverage Chart

Pet insurance provides coverage for unexpected health issues when your dog or cat gets injured or sick. Plans pay up to 90% of your actual, total veterinary bills. Here is a list of health issues and treatments that are covered by pet insurance plans.

✓ Accidents✓ Illnesses
✓ X-Rays, Blood Tests, etc.✓ Surgery
✓ Hereditary Conditions✓ Hospitalization
✓ Congenital Conditions✓ Prescription Medications
✓ Chronic Conditions✓ Emergency Care
✓ Cancer✓ Specialty Care
✓ Diagnostic Treatment✓ Alternative Treatment
x Pre-Existing Conditionsx Preventative Care

Unfortunately, pet insurance does not cover pre-existing conditions, so it’s important to enroll while your pet is healthy and young. They are the most common and provide the most benefit if your dog or cat suffers from a serious injury or chronic health condition.

You can add a wellness & routine care plan to you accident & illness policy for additional coverage for additional cost. There are three primary levels of pet insurance coverage available to meet your needs and budget.


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