Accident Only Pet Insurance
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Jun 26, 2025
Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.
And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.
We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.
UPDATED: Jun 26, 2025
Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.
And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.
On This Page
When you sign up for a new pet insurance policy, one of the first decisions you will make is the type of plan that best suits you and your dog and cat.
There are a few different choices of plans and an accident only plan is one of the most basic and the least expensive offered.
Table of Contents:
Need Pet Insurance?
FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!
Different Pet Insurance Plans
Comprehensive Pet Insurance
This is the broadest range of coverage available and covers almost any accident or illness that your cat or dog might encounter.
It is more expensive than the other plans, but a comprehensive policy gives you the assurance that all conditions your pet might encounter will be covered according to the reimbursement you chose.
Related: 10 Things You Must Know Before You Buy Pet Insurance
Wellness Plans
A wellness plan is coverage for typical preventative care procedures from vet visits to vaccinations that are easily payable out of pocket.
Wellness plans are not stand-alone policies and need to be added to either a comprehensive policy or an accident only policy.
Accident Only Plans
An accident-only plan, as the name suggests typically covers only accidents.
It will not cover any illness that occurs with your dog or cat that is usually covered under a comprehensive plan.
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What Does An Accident Only Plan Cover?
- All accidents and injuries
- Eye injuries
- Lacerations
- Bite Wounds
- Torn Nails
- Insect Bites
- Bloat
- Swallowed Objects
- Abrasions
- Accidental poisoning
- Diagnostics for accidents
- Treatment for accidents
While an accident only plan is usually less expensive than a comprehensive plan, there is a reason.
It doesn’t cover anything other than accident-related issues.
Real Cost Savings from PetFirst Clients
Luna
PetFirst saved his parents
$6,712
A happy energetic Luna one morning couldn’t hold her food down. After months of multiple costly vet visits to specialists and an endoscopy, the problem was discovered and fixed. Luna put 22 pounds back on in no time and her parents were grateful for having PetFirst by their side to pay the bills.
What Does An Accident Only Plan NOT Cover?
- Any illness
- Hereditary and Congenital conditions
- Pre-Existing conditions
- Vet Visits
- Routine Procedures
Benefits Of An Accident Only Plan
- Certain dog breeds are super energetic by nature and tend to get in a lot of accidents, which this plan will cover.
- Older pets, usually 15 or older, who aren’t eligible for a comprehensive pet insurance policy can get an accident-only plan.
- Pets with pre-existing conditions can qualify.
- Prices tend to be less expensive.
- Pets that have shown symptoms of Cushing disease, diabetes, FIV or FELV or Addison’s disease or most long term illnesses can qualify.
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Is Accident Only Coverage Offered By All Pet Insurance Companies?
Not necessarily.
Some pet insurance companies like Embrace and Pets Best offer an Accident only plan while other providers like Healthy Paws and Petplan don’t offer them.
Their philosophy is that the whole point of pet insurance is to be covered for ALL accidents and illnesses.
Read more: How does accident only pet insurance coverage work?
Summing Up Accident Only Plans
If you have a limited budget then an accident plan can definitely be at least the minimum coverage.
Or an older pet that isn’t able to get any other coverage.
However, if you do sign up for a comprehensive accident and illness plan, all the top pet insurance companies will not drop your pets at as they age and should be covered for the duration your pets’ life.
If you are looking for the different types of coverage offered by different companies, our top 10 pet insurance companies in 2019 is a great place to start!
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Pet insurance is similar to other insurances but does have some major differences as compared to your health insurance. Below you will find a definitive list of frequently asked pet insurance questions to help in your decision.
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Is Pet Dental Insurance Worth the Extra Cost
Best Pet Insurance Plans with Shortest Waiting Periods
Pet Insurance Coverage Exclusions and Limits
Pet Insurance Benefit Limits Explained
How to Make a Claim on your Pet Insurance
Is my Pet too Old for Pet Insurance Coverage
Top Reasons to Purchase Pet Insurance
How much does Pet Insurance Cost
Pet Insurance for Multiple Pets
Pet Insurance that Covers Spaying and Neutering
Does Pet Insurance Cover Shots
Pet Insurance with Pre-Existing Conditions
Frequently Asked Questions
What is an Accident Only Pet Insurance Plan?
An Accident Only Pet Insurance Plan is a type of pet insurance that specifically covers accidents involving your dog or cat. It does not provide coverage for illnesses and is generally more affordable than comprehensive plans.
What does an Accident Only Plan Cover?
Accident Only plans typically cover injuries resulting from accidents. This may include injuries from incidents such as car accidents, falls, or bites.
What does an Accident Only Plan NOT Cover?
Accident Only plans do not cover illnesses or health issues that are not a result of accidents. Conditions like infections or chronic diseases are usually excluded.
Are Accident Only Plans Offered by All Pet Insurance Companies?
No, not all pet insurance companies offer Accident Only plans. Some providers, such as Embrace and Pets Best, offer this type of coverage, while others like Healthy Paws and Petplan do not.
What are the Benefits of an Accident Only Plan?
The primary benefit is cost savings. Accident Only plans are usually more affordable, making them a suitable option for pet owners on a limited budget or those with older pets that may not qualify for comprehensive coverage.
Who Should Consider an Accident Only Plan?
Pet owners on a limited budget or those with older pets that may not qualify for comprehensive coverage may find an Accident Only plan to be a suitable minimum coverage option.
Can I Combine an Accident Only Plan with Other Coverage?
Yes, you can often combine an Accident Only plan with other coverage. Wellness plans, which cover preventative care, can be added to either a comprehensive policy or an Accident Only policy.
Will My Pet be Covered for Life with an Accident Only Plan?
If you opt for a comprehensive accident and illness plan, your pet is less likely to be dropped by the insurance company as they age. Accident Only plans may offer limited coverage and are usually not a lifelong solution.
How do Accident Only Plans Compare to Other Types of Pet Insurance Plans?
Accident Only plans are the most basic and least expensive among pet insurance options. They provide coverage specifically for accidents, excluding illnesses covered by more comprehensive plans.
Where Can I Find Information on Different Types of Coverage Offered by Pet Insurance Companies?
To explore different types of coverage offered by various companies, you can refer to our top 10 pet insurance companies in 2019, which provides a comprehensive comparison.
Enter your ZIP code below to view companies that have cheap pet insurance rates.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.