Accident-Only Pet Insurance

Top-Rated Accident-Only Pet Insurances: A Comprehensive Guide

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As a pet owner, you want to make sure that your furry friend gets the best care possible, even if something bad happens. Accident-only pet insurance covers injuries and accidents, protecting you financially against unexpected medical costs.

We’ve put together a list of the best accident-only pet insurance companies, along with their prices and customer reviews, to help you make an informed choice.

1. ASPCA Pet Health Insurance

The ASPCA Pet Health Insurance is a highly regarded accident-only pet insurance company known for offering low rates and full coverage. They have a range of plans to fit different needs and budgets, and the monthly fees for dogs start at just $10 and cats at just $5.

Key Features:

  • Accident coverage that includes injuries, hospital stays, and crises
  • There are no yearly or lifetime limits.
  • Possible reimbursements of 70%, 80%, or 90%
  • Plans that can be changed and have different payment amounts

What Customers Say:

Customers have said good things about ASPCA Pet Health Insurance, praising its low prices, simple online processes, and quick claim payment.

2. Embrace Pet Insurance

The accident-only plans and great customer service at Embrace Pet Insurance make it stand out. They give you a choice of deductibles and reimbursement rates, so you can make your coverage fit your needs. The monthly fees for dogs start at about $15 and for cats at about $10.

Key Features:

  • Accident-only plans with a range of deductible and payout choices
  • There are no yearly or lifetime limits.
  • Insurance that covers a lot of different kinds of events, like injuries, surgeries, and emergencies
  • 24/7 customer service

What Customers Say:

Embrace Pet Insurance is known for having great customer service. Many reviews have said that the staff is friendly and helpful.

3. Figo Pet Insurance

Figo Pet Insurance has a unique way of handling accident-only coverage. You can pick the amount of reimbursement and yearly maximum that works best for your budget and level of comfort with risk. Prices start at about $12 a month for dogs and $8 a month for cats.

Key Features:

  • Accident-only plans that let you change the annual maximums and payout percentages
  • There are no yearly or lifetime limits.
  • Full covering for accidents, including injuries, surgeries, and unexpected costs
  • Simple way to file a claim online

What Customers Say:

Customers have said good things about Figo Pet Insurance, especially about how easy it is to file a claim and how many coverage choices are available.

4. Lemonade Pet Insurance

Lemonade Pet Insurance is known for taking a new approach to pet insurance by using technology to make the process easier and lower the costs of payments. They offer a single accident-only plan with different deductible levels and a 90% payout rate. Prices start at about $10 a month for dogs and $5 a month for cats.

Key Features:

  • Accident-only plan that is easy to understand and has a 90% payout rate
  • Different budgets can use different types of tax breaks.
  • There are no yearly or lifetime limits.
  • A paperless claims process that pays out quickly

What Customers Say:

Lemonade Pet Insurance is popular with pet owners because it is easy to use and lets you see the prices.

5. Pets Best

Pets Best is a well-known company that offers pet insurance. They have a number of accident-only plans that cover everything and give you a lot of choices. The monthly rates for dogs start at about $15 and for cats at about $10.

Key Features:

  • Several accident-only plans with different choices for deductibles and reimbursements
  • There are no yearly or lifetime limits.
  • Insurance that covers a lot of different kinds of events, like injuries, surgeries, and emergencies
  • Wellness add-on that you can choose for prevention care

What Customers Say:

Pets Best has a good track record of keeping customers happy. Many reviews have said nice things about how quickly and fully they cover pet accidents.

6. Healthy Paws

A lot of people buy pet insurance from Healthy Paws because it covers pets for life and protects them in every way. A single accident-only plan with a 90% reimbursement rate and different deductible choices is what they have to offer. The monthly rates for dogs start at about $15 and for cats at about $10.

Key Features:

  • There are no yearly or lifetime limits on coverage for life.
  • 90% refund rate for costs that are allowed
  • Insurance that covers a lot of different kinds of events, like injuries, surgeries, and emergencies
  • Wellness add-on that you can choose for prevention care

What Customers Say:

Customers have said nice things about Healthy Paws, praising its lifetime coverage, quick claim repayment, and great customer service.

7. Pumpkin Pet Insurance

It’s a new company called Pumpkin Pet Insurance, and they specialize in covering older cats. They have a number of accident-only plans for older pets that come with flexible deductible and reimbursement choices. The monthly rates for dogs start at about $20 and for cats at about $15.

Key Features:

  • Plans for accidents only with flexible deductibles and reimbursement choices made just for older pets
  • There are no yearly or lifetime limits.
  • Insurance that covers a lot of different kinds of events, like injuries, surgeries, and emergencies
  • Wellness add-on that you can choose for prevention care

What Customers Say:

Pumpkin Pet Insurance is becoming more popular among pet owners whose pets are getting older. Many reviewers have praised their personalized coverage choices and caring customer service.

8. Nationwide Pet Insurance

Nationwide Pet Insurance has been around for a long time and has a lot of different accident-only plans with low rates and full coverage. Prices start at about $10 a month for dogs and $5 a month for cats.

Key Features:

  • Accident-only plans with different choices for deductibles and reimbursements
  • There are no yearly or lifetime limits.
  • Insurance that covers a lot of different kinds of events, like injuries, surgeries, and emergencies
  • Wellness add-on that you can choose for prevention care

What Customers Say:

Customers have said good things about Nationwide Pet Insurance, praising its low prices, simple online processes, and wide range of coverage choices.

9. Trupanion Pet Insurance

Trupanion Pet Insurance is one of a kind because it offers a plan that covers your pet for life and reimburses you for 90% of qualifying costs. Their name for clear pricing and coverage is well known. Dogs start at about $25 a month and cats at about $15 a month.

Key Features:

  • There are no yearly or lifetime limits on coverage for life.
  • 90% refund rate for costs that are allowed
  • Coverage for a lot of different illnesses and accidents, like injuries, treatments, and emergencies
  • A paperless claims process that pays out quickly

What Customers Say:

Customers have said good things about Trupanion Pet Insurance, especially about how it covers pets for life, how clear the price is, and how quickly claims are paid.

10. Paw Protect

Paw Protect is a younger company that offers pet insurance that is known for its creative ways of covering pets and low prices. A single accident-only plan with a 90% reimbursement rate and a function that pays vet bills right away is what they offer. Prices start at about $12 a month for dogs and $8 a month for cats.

Key Features:

  • Accident-only plan that pays out 90% of claims
  • One-of-a-kind trait that pays off vet bills right away
  • There are no yearly or lifetime limits.
  • Insurance that covers a lot of different kinds of events, like injuries, surgeries, and emergencies
  • Wellness add-on that you can choose to use for preventive care

What Customers Say:

Customers have said good things about Paw Protect, especially about its instant payout feature and unique way of looking at cat insurance.

11. PetFirst

PetFirst is a well-known company that offers pet insurance. They have a number of accident-only plans that can be customized and have low rates. Prices start at about $10 a month for dogs and $5 a month for cats.

Key Features:

  • Plans that only cover accidents with flexible deductible and reimbursement choices
  • There are no yearly or lifetime limits.
  • Insurance that covers a lot of different kinds of events, like injuries, surgeries, and emergencies
  • Wellness add-on that you can choose for prevention care

What Customers Say:

Customers have given PetFirst mixed reviews. Some have praised its flexible coverage choices, while others have complained about how long it takes to process claims.

12. Spot Pet Insurance

Spot Pet Insurance is a younger company that offers pet insurance. It is known for having adjustable plans and an easy-to-use website. They have a number of accident-only plans with flexible deductibles and reimbursement choices. You can also pick the amount of coverage you want each year. The monthly rates for dogs start at about $15 and for cats at about $10.

Key Features:

  • Plans that only cover accidents with flexible deductible and reimbursement choices
  • Annual covering limits that can be changed to fit different levels of risk tolerance
  • There are no yearly or lifetime limits.
  • Insurance that covers a lot of different kinds of events, like injuries, surgeries, and emergencies
  • Wellness add-on that you can choose for prevention care

What Customers Say:

Customers have said good things about Spot Pet Insurance, especially about how flexible its coverage choices are and how easy it is to use.

13. ManyPets

ManyPets is a well-known pet insurance company that is known for offering a wide range of benefits and putting an emphasis on preventative care. They have a number of accident-only plans with different deductible levels and endless coverage each year. The first month’s extra for dogs is about $18 and for cats it’s $12.

Key Features:

  • Accident-only plans with a range of deductibles and full coverage every year
  • There are no yearly or lifetime limits.
  • Full covering for a lot of different types of accidents, like injuries, surgeries, and emergencies
  • With full health plans and a strong focus on preventive care

What Customers Say:

Customers have said good things about ManyPets, praising its unlimited annual coverage, wide range of preventive care choices, and top-notch customer service.

14. MetLife Pet Insurance

MetLife Pet Insurance has been around for a long time and is known for offering a wide range of coverage choices at reasonable prices. They have a number of accident-only plans with different choices for deductibles and reimbursements. Prices start at about $10 a month for dogs and $5 a month for cats.

Key Features:

  • Plans that only cover accidents with flexible deductible and reimbursement choices
  • There are no yearly or lifetime limits.
  • Insurance that covers a lot of different kinds of events, like injuries, surgeries, and emergencies
  • Wellness add-on that you can choose for prevention care

What Customers Say:

Customers have given MetLife Pet Insurance mixed reviews. Some have praised its low premiums and wide range of coverage choices, while others have voiced concerns about how long it takes to process claims.

Things to think about when picking accident-only pet insurance:

When choosing a pet insurance plan that only covers accidents, think about the following:

  • How old is your pet? Usually, younger dogs have lower premiums.
  • The breed of your pet: Some breeds may be more likely to have certain incidents.
  • Money plan: Pick a plan that will help you save money.
  • Limits on coverage: Think about the yearly and maximum amounts that can be reimbursed.
  • Options for deductions: Choose an amount of deductible that you are willing to pay up front.
  • What customers say: You can find out about a company’s image and customer service by reading reviews.

Additional Tips for Saving on Pet Insurance:

  • Get quotes from more than one service company.
  • If you want lower premiums, choose a bigger deductible.
  • Older pets might benefit from accident-only insurance.
  • Use discounts for having more than one pet or being in the military.
  • Make sure your pet lives a healthy life to lower the chance of accidents.

In Conclusion:

Accident-only pet insurance is very helpful for pet owners because it helps cover the unexpected costs that come up because of injuries and accidents. Carefully consider your pet’s needs, your income, and your willingness to take on risk to find the best accident-only pet insurance plan. This will help you make sure your pet gets the best care when they need it most.

Remember that preventative care and regular veterinary exams can cut down on accidents and the costs of treating them. By taking preventative steps, you can protect your pet’s health and make it less likely that they will need to rely on pet insurance alone.

We hope that this post has helped you understand the pros and cons of accident-only pet insurance better so that you can make an informed decision for your beloved pet.

 

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