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Accident and Illness Coverage

accident and illness coverage pet insurance

Pet Insurance Accident and Illness Coverage

Pet insurance accident and illness coverage is 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.

Potential Pet Health Issues

Unfortunately, just like us, dogs and cats get sick and injured. And if you have an unlucky pet your veterinary bills could cost thousands of dollars. The fact is, veterinary care has never been better or more available, but those advances have come with a cost. Here are some facts that may surprise you:

  • Every six seconds a pet owner is faced with a vet bill of more than $1,000
  • Annual veterinary expenses in the U.S. exceeded $18 billion in 2018 (source)
  • 1 in 3 pets will need urgent vet care this year alone
  • Less than 2% of pet owners in the U.S. have (source)

Types of Pet Insurance Coverage

There are three primary levels of pet insurance coverage available. Each type of coverage has its own merit but our recommendation for pet parents is to enroll in a standard accident and illness plan while your dog or cat is young and healthy.

  1. Accident and Illness Coverage
  2. Wellness Coverage
  3. Accident Only Coverage

You can add a wellness and routine care plan to your standard accident and illness policy for an additional monthly cost. Wellness plans cover routine care expenses like annual well visits, vaccinations and dental cleanings.

Accident only plans are more rare and provide little coverage. As the name suggests, these plans only cover veterinary bills related to accidents.

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