Pet Accident Plans for Cats and Dogs

  • Exam Fees Covered

  • Microchip Implantation Coverage Included in Every Plan

  • 10% Multi-Pet Discount*

  • Accident-Only Plans Available

Pet Insurance with Accident Coverage

Pet insurance may be useful for pet owners concerned about unexpected injuries their pets might encounter. This type of coverage can help manage the eligible costs of emergency vet visits, surgeries, and other treatments resulting from unexpected accidents. Active pets, adventurous animals, or those living in environments with potential hazards might particularly benefit from this coverage, helping provide you with peace of mind in case of sudden mishaps.

What is an Accident in Pet Insurance?

An accident in pet insurance plans typically refers to unexpected injuries or incidents that result in harm to your pet. Accident coverage is designed to help manage the eligible costs of treating these sudden injuries, which can include emergency vet visits, surgeries, and related treatments. Spot knows that the unexpected can happen, which is why pet insurance that covers unexpected accidents can help make a difference for you and your pet.

Is Accident Only Pet Insurance Worth It?

Our team at Spot understands that life can happen fast. Accident only pet insurance plans may be worth considering for pet owners who are concerned about the financial impact of sudden unexpected injuries. Active pets, such as energetic dogs, adventurous cats, or pets that spend a lot of time outdoors, may particularly benefit from this type of dog insurance/ cat insurance coverage.

What is Not Covered in an Accident-Only Plan?

An accident-only plan typically does not cover illnesses, routine care, or preventive treatments. This can include vaccinations, check-ups, dental cleanings, and chronic conditions. The accident only plan is focused on covering injuries resulting from eligible accidents rather than general health maintenance or illness treatments. It is also important to note that pre-existing illnesses are generally not covered.

Do Cats Need Accident Coverage? 

Like other kinds of cat insurance plans, cat owners may benefit from accident only pet insurance plans, particularly if they spend time outdoors. This type of insurance can help cover the eligible costs of unexpected injuries from incidents like falls, fights, or being hit by a car.

Does Accident-Only Pet Insurance Cover Illnesses?

Accident only pet insurance coverage generally does not cover illnesses, as it is specifically designed to address injuries resulting from unexpected accidents. Illnesses are considered different from accidents and would typically require a broader insurance plan to cover eligible medical treatments and care. Pet insurance plans with illness coverage typically covers eligible veterinary costs related to various illnesses that may affect your pet. This can include treatments for conditions such as infections, digestive issues, allergies, cancer treatments, and chronic diseases like diabetes or kidney disease.

What Can be Covered in Accident and Illness Pet Insurance?

Accident and illness pet insurance plans may cover a range of unexpected veterinary costs, including treatments for injuries, surgeries, diagnostic tests, and illnesses such as infections or chronic conditions. This type of coverage can be beneficial for helping manage both sudden accidents and future health issues that may require ongoing care, helping pet owners to be able to get comprehensive care for their pets and potentially reducing financial stress.

Affordable Plan Options for Dogs & Cats

Life is full of surprises. Spot helps pet parents plan for them through easy and simple pet insurance options that can be used at your licensed vet in the US or Canada.

Cat & Kitten Plans

Dog & Puppy Plans

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*10% multi-pet discount available on all pets enrolled after the first.