Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Written by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Jun 10, 2021

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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.

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.

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.

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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.

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!


Other articles you may find helpful: 


Is Exotic Pet Insurance Necessary? 

The Best Pet Insurance By State 

What Is Pet Insurance?

Fun Facts, Dog FAQ, And Unsolicited Dog Advice

5 Training Commands to Save Your Dog’s Life

The Ultimate Guide to Safe Foods for Dogs

Dog Health Problems

Dog Breeds


Cat Health Problems

Cat Breeds


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.


What is Pet Insurance

Types of Pet Insurance Coverage

Comprehensive Pet Insurance Explained

Accident Only Pet Insurance

Pet Wellness Plans

Insurance vs. Wellness Pet Insurance Plans

Is Pet Dental Insurance Worth the Extra Cost

How does Pet Insurance work

Best Pet Insurance Plans with Shortest Waiting Periods

Pet Insurance Deductibles

Pet Insurance Coverage Exclusions and Limits

Pet Insurance Reimbursements

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

Is Pet Insurance Worth It

Compare Pet Insurance

Pet Insurance for Multiple Pets

Pet Insurance that Covers Spaying and Neutering

Does Pet Insurance Cover Shots

Pet Insurance with Pre-Existing Conditions