Accident-Only vs Comprehensive Pet Insurance

Accident-only pet insurance covers emergencies like broken bones, cuts, and toxic ingestion. Comprehensive insurance also covers illnesses, diagnostics, chronic conditions, and often allows for wellness add-ons.
Source: BestPetPlanGuide.com

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Accident-only plans are a budget-friendly option that provide coverage only for unexpected injuries. These typically include things like car accidents, ligament tears, broken limbs, bite wounds, or poisoning. They’re designed for emergencies but won’t help if your pet gets cancer, develops diabetes, or has an infection.

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Comprehensive plans are far more robust. They include accidents and illnesses such as arthritis, GI conditions, allergies, infections, cancer, and more. Some plans also offer optional wellness coverage for preventive care like vaccinations and dental cleanings. These plans cost more but offer much broader protection, especially for breeds with known genetic risks.

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If your pet is very young and healthy, accident-only may be a temporary option. But comprehensive plans are strongly recommended for long-term peace of mind.