Although there are plenty of pet insurance providers who cover an animal’s future illnesses and potential accidents, some pet owners only wish to get accident coverage. In general, accident-only coverage is more affordable and will cover the many unexpected accidents pets experience throughout their lifetime.
If you’re looking for a pet insurance company that only covers accidents, consider researching the following brands. (Note: If you’re looking for pet insurance that covers illnesses, too, consult our Best Pet Insurance Options for Seniors guide.)
What is accident-only coverage?
When a pet insurance policy only covers accidents, it means it will cover anything that results in injury due to an accident. ASPCA’s Pet Health Insurance notes that some policies (including ASPCA’s accident-only policy) cover things related to accidents, such as “X-rays, MRI, ultrasounds, bloodwork, sutures, medications, hospitalization, and surgery.” (Call the provider of your choice to find out more.)
Remember: An accident-only policy is just that. All policies listed here will not cover any kind of illness. This is why accident-only coverage is generally less expensive than illness and accident coverage.
Comparing plans
To compare quotes, I used my dog’s information. Cash is an eight-year-old medium-sized mixed-breed dog.
Pets Best
For $9 a month, Cash could get coverage for almost any accidental injury, such as a:
Pets Best also states that it will cover accidents an animal experiences while hunting or in “the line of service.”
According to Pets Best’s website, accident coverage for all cats is $6 a month.
Etc.
Foreign body (when an animal eats something they should not)
Trauma
Bite from another animal
Torn nail
General wound
Bone fracture
Embrace
After researching Embrace’s website, it appears the company only provides accident-only coverage for pets that are 15 and older. (This is most likely because Embrace does not provide illness coverage for pets who are 15 and older.) Embrace’s accident-only policy reimburses pet owners up to $5,000 a year, has a $100 deductible, and reimburses up to 90 percent of a bill. The company’s policy is set, so you cannot change these amounts.
Spot
Spot has flexible accident-only coverage. People can pick between various annual limits, deductibles, and reimbursement percentages. For Cash, the lowest monthly rate was $7.11, and the highest was $69.68. Spot has a detailed list that lays out what the company will and will not cover in its accident-only policy FAQ that you can consult here.
ASPCA Pet Health Insurance
ASPCA allows pet owners to pick the amount of accident coverage their pet will receive. Annual limits range from $3,000-$10,000, reimbursement ranges from 80-90 percent, and deductibles are $100-$500. The lowest price for accident-only coverage I found for Cash was $11.53, and the most expensive was $32.79.
