Pet Insurance Accident and Illness Coverage

If your pet ever becomes sick or injured, an expensive veterinarian bill should not stop you from getting the best care possible. If your pet develops a chronic health condition like kidney disease and hyperthyroidism treatment could cost you thousands of dollars.

These types of conditions will often require a lot of long term treatment options, like prescription medications and regular check-ups, and thanks to numerous advances in veterinary medicine, quite a few of these conditions are now treatable.

However, even with all of the options that are now available, the price of these new treatments can often be quite expensive and out of the range of the budgets of many families. That’s why accident and illness coverage for your loved one makes so much sense.

With this type of coverage, you can make decisions based on the highest quality options and not what options that you are able to afford.

Very Low Premiums are Possible

One of the best things about accident and illness coverage, is that this aspect of a pet’s insurance covers an enormous amount of conditions and can cost very little. This kind of coverage is generally considered by most insurance companies as the first level of insurance coverage, which provides the basic aspects of health care for your loved one.

It can often be purchased for as little as ten dollars a month.

This option makes a lot of sense for many families because there are many households that have multiple pets that need coverage. If a house has two cats and two dogs, then the monthly insurance bill for this home would be four times the cost of insurance for a single pet, and having this many pets in a home is not an unusual occurrence.

That is why it makes sense to consider this basic form of coverage so that you can have all of your furry friends insured against a wide array of unexpected circumstances. However, what about the homes that have an even larger number of pets and smaller budgets?

Accident Only Coverage

This form of insurance often covers things like bloat, cuts, poisoning, or swallowing a non-digestible item. Accident only coverage will also cover certain emergencies like being hit by a car.

This option is often chosen by pet owners whose pets are older and have preexisting conditions. Although these kinds of pets are often not able to qualify for other options, it is usually possible to get coverage for many kinds of accidents.

There are also certain lower income families with lots of pets that need to have extremely low premiums, so they will be able to get insurance for all of their loved ones. With accident only coverage, it is possible to get coverage and stay within range of some of the tightest budgets.

It is also important to note that many accident only policies will also cover any illness that is the result of an injury. This is an important distinction that needs to be taken into consideration because it gives accident only policies more value.


Therefore, do not worry if you think you are unable to afford health care for your pets because there is a chance that there is an affordable policy out there waiting for you. So if your little puppy is accidently hit by a car, then you know that you can get the best treatment available at a fraction of the cost.

Aren’t your loved ones worth it?

  1. Reply
    Masum Billahe 11/10/2016 at 10:40 am

    I think it can provide best solution for pet lover who was worry about their pet animal health problem.

  2. Reply
    Tina Nguvi 11/12/2016 at 4:51 pm

    Hi Dr. Pippa,
    Being an owner of 2 cats and 3 dogs, the medical bills alone have been a problem. Thank you for highlighting the importance of insurance. I was not even aware that such was available!! You are a God-send!! XOXO

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