As a pet owner, you know how important it is to keep your pet healthy and safe. You also understand that vet bills can add up quickly and be difficult to pay. That’s why many pet owners decide to purchase pet insurance. One type of pet insurance is called accident-only insurance. This article will discuss the benefits of this type of policy so that you can make an informed decision about whether or not it is right for you and your pet.
What is Accident-only Pet Insurance?
Accident-only pet insurance covers unexpected medical expenses due to accidents such as being hit by a car, ingesting something toxic, or other types of accidental injuries. This type of insurance does not cover illnesses such as cancer, heart disease, diabetes, and other chronic conditions. Some policies may include coverage for emergency care, while others may not.
Benefits of Accident-only Pet Insurance
There are several benefits to having accident-only pet insurance:
- It’s Affordable. Accident-only pet insurance is typically cheaper than comprehensive pet insurance. This makes it easier for pet owners to budget for their pet’s healthcare needs.
- It Covers Unforeseen Events. Accident-only pet insurance helps protect you from the unexpected events that could leave you with a hefty vet bill. It can save you money if your pet needs expensive treatments or hospital stays due to an accident.
- It Pays For Veterinary Costs. Accident-only pet insurance will help cover veterinary costs associated with an accident, including x-rays, surgeries, tests, medications, and more.
What Does Accident-only Pet Insurance Not Cover?
Accident-only pet insurance policies generally do not cover any routine or preventative care, such as annual checkups, vaccinations, flea and tick treatment, dental care, spaying/neutering, grooming, or behavioral training. They also do not cover illnesses, congenital defects, pre-existing conditions, or hereditary conditions.
When Should I Purchase Accident-only Pet Insurance?
If you want protection against unexpected accidents and illnesses but don’t want the added expense of a comprehensive policy, then accident-only pet insurance may be the right choice for you. Many pet owners opt for this type of policy as a supplement to their regular pet insurance plan. Accident-only pet insurance can provide valuable coverage for unforeseen events without breaking the bank. While it doesn’t cover routine or preventative care, it can help ease the financial burden of unexpected veterinary bills. Before purchasing a policy, be sure to compare different companies and read the fine print so that you understand what is covered and what is not.