Accident-Only Coverage

Accidental coverage will take care of costs for injuries and emergencies related to accidents, like torn ligaments, bite wounds, cuts, broken bones, lodged foreign objects, and toxic, ingestions. It includes exam fees, diagnostics, and treatment.

We even cover the most advanced treatments, like stem-cell therapy and surgery, and some you may not expect, such as acupuncture, and chiropractic care, so you can follow your vet's recommendations with less worry about cost.


Waiting periods

Accident coverage, with the exception of coverage for ligament issues and knee conditions, will start on the effective date of the policy

Coverage for illness, ligament issues, and knee conditions starts on the 15th day after the policy effective date.


What's not covered

like all pet insurance providers, we have exclusions. View a sample policy for the full list

Pre-existing Conditions

No pet insurance provider covers pre-existing condition, which are conditions that occur before coverage begins or during a waiting period. However, an injury or illness that is cured and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing.

Cosmetic Procedures

Our plans do not cover elective procedures, such as tail docking, ear cropping, and claw removal.

Breeding Costs

Our plans do not cover costs associated with breeding or pregnancy

Incidents Unrelated to Accidents

Accident-Only Coverage does not include illness, dental disease, hereditary and congenital conditions, behavioral issues, or preventive care. You can add preventive care coverage for a little more per month after you select your base plan.