Does pet insurance cover accidents?

Yes, pet insurance typically covers accidents, including injuries resulting from accidents such as broken bones, lacerations, or ingestion of foreign objects. Veterinary expenses related to diagnosing and treating accidents, such as x-rays, blood tests, surgery, or prescription medication are generally covered.

There are a few common accidents that pets may be at risk for in their lifetime such as broken bones, wounds and lesions, accidental poisoning, foreign body obstruction, and sprains to name a few. These situations can be stressful both emotionally and financially! This is where pet insurance can help.

Let’s explore how pet insurance can help with pet accidents. For example, treating your pets broken bone can cost $1,500 without insurance but with insurance would cost only $700. Surgery for removing an ingested foreign object can be as expensive as $3,900 without insurance but having a pet insurance plan with an 80% reimbursement rate and a low deductible means you would only pay $1,180.

Estimated Accident Vet Bill for a Broken Bone Without Surgery

Total Vet Bill $1,500	You Pay This At Time Of Service Need help with up front expenses? Check out Vet Spend
Insurance Coverage -$800	Insurance Reimbursement (Here’s The Math) Total Vet Bill: $1,500 Your Deductible: – $500 Eligible For Reimbursement: = $1,000 Reimbursement Rate: x 80% = $800
Your Final Cost $700	You Saved 53% With Insurance!

Estimated Accident Vet Bill for Ingestion of a Foreign Object Requiring Surgical Removal

Total Vet Bill $3,900	You Pay This At Time Of Service Need help with up front expenses? Check out Vet Spend
Insurance Coverage -$2,720	Insurance Reimbursement (Here’s The Math) Total Vet Bill: $3,900 Your Deductible: – $500 Eligible For Reimbursement: = $3,400 Reimbursement Rate: x 80% = $2,720
Your Final Cost $1,180	You Saved 69% With Insurance!