Best Accident and Illness Pet Insurance To Help Your Pet

Best accident illness pet insurance

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When unexpected vet appointments occur, it can cause pet parents a lot of headaches and worries. If your pet suddenly catches a disease or suffers an accidental injury, going to the vet for expensive examinations and treatments is inevitable.

Tips for Choosing the Best Accident and Illness Pet Insurance Plan:

  • Consider your pet’s age and breed. Older pets and pets with breed-specific health conditions will typically cost more to insure.
  • Think about your budget. Pet insurance can be expensive, so it is important to choose a plan that fits your budget.
  • Read reviews of different pet insurance companies. This can help you get a sense of each company’s customer service and claims processing times.
  • Ask your veterinarian for recommendations. Your veterinarian may be able to recommend pet insurance companies that they have had good experiences with.
Lemonade Pet Insurance

One of the best-ranked pet insurances nowadays is Lemonade Pet Insurance.

Embrace pet insurance

Embrace Pet insurance offers a health care policy for your pet. 

healthypaws logo

Healthy Paws ranked as one of the few great insurances.


No pet parent can put a price on their beloved companion’s well-being, but the fact is – medical expenses for treatment can easily break the bank.

Accident is meant to reduce your overall costs related to vet exams, treatments, and even surgery. When you have pet insurance for illness and accident at hand, you can focus on your pet’s health rather than how much you will have to stretch your budget to pay the bill. 

Today, there are countless available pet insurance for illness and accident options that do well with offering extensive coverages. If you’re on the prowl for outstanding insurance for your pet, we’ve got a list of the best accident and illness pet insurance alternatives. 

What is Accident and Illness Pet Insurance?

Accident and illness pet insurance is a type of reimbursement that compensates you for medical expenses for your dog or cat’s treatments.

Every year millions of accidents and sudden illnesses occur to pets all around the US, and some are even rushed to surgery. Every treatment and surgery that the pet requires can cost the owner a fortune.

Unforeseen setbacks regarding the financial aspect of your pet’s medical treatment are why pet accident and illness insurance is highly recommended for every pet owner to purchase as early as possible.

Pet insurance companies encourage pet owners to enroll in an accident and illness plan even before their cat or dog becomes one year old. 

Accident and illness pet insurance covers emergency care, hospitalization, medical exams, and any additional costs that may incur, such as transportation and housing. 

You will be charged a premium for it, which may vary depending on your region and the coverage plan you select. Additionally, every pet insurance company has different reimbursement rates, initial deductibles, and monthly prices.

Usually, accident insurance is referred to as supplemental insurance, and it is most useful when combined with a substantial medical plan. Your accident coverage will cover charges that your medical plan does not cover, such as co-payments and deductibles.

Here are some of the pet insurance companies that offer the best deals for pet parents:

1. Lemonade

Lemonade pet insurance

Lemonade pet insurance is the ultimate pet insurance provider offering a wide range of insurance options. The company’s Accidents and Illnesses insurance plan provides treatments and coverage for puppies and kittens under the age of two.

The waiting period for pet Accidents and Illnesses insurance is two days, which is less than what other rival insurance providers ask for.

However, your pet must have had a complete and recent examination from a veterinarian to qualify for the policy. The price of the policy varies between $10 and $15 for cats and $12 and $20 for dogs.

What’s Covered in the Accidents and Illnesses Plan?

Lemonade insurance only offers one pet insurance Accidents and Illnesses standard plan that’s the most extensive pet insurance for accidents and illnesses among rival providers. 

The coverage includes the following issues:

  1. broken bones;
  2. poisoning;
  3. general diseases and infections;
  4. cancer;
  5. heart diseases;
  6. hip dysplasia;
  7. skin disorders, and more. 

It compensates for vet expenditures incurred due to occurrences or conditions, such as hospitalization, lab work, surgery, emergency treatment, and prescription medicine.

2. Healthy Paws

Healthy Paws pet insurance

Healthy Paws Pet Insurance also provides a single plan for cats and dogs that covers accidents, diseases, and injuries, as well as emergency treatment.

One of the perks of Healthy Paws’ Accidents and Illnesses pet insurance that pet parents love is that there are no coverage limits or caps. The prices are reasonable and there is a one-time $25 enrollment charge when you initially enroll your pet. 

Illness-wise, Healthy Paws’ pet insurance for Accidents and Illnesses plan covers breed-specific and genetic disorders; conditions such as hip and elbow dysplasia are covered under the policy. 

What’s Covered in the Accidents and Illnesses Plan?

Healthy Paws has the best pet insurance for accident and illness plans that covers breed-specific problems and alternative therapies, as well as more severe conditions, like:

  • Acupuncture;
  • Cancer;
  • Congenital diseases;
  • and Chronic conditions. 

Before filing an injury or sickness claim, your pet must be registered in the plan for 15 days. The plan helps pet owners save money on hospitalization, medication, and specialist care.

3. Prudent Pet

Prudent pet insurance

Prudent Pet provides three great pet insurance policies, out of which one is dedicated to only accidents and illnesses.

Prudent Pet’s Accidents and Illnesses plan includes a 24/7 live chat, with available vets at all times. There are unlimited annual benefits and no limits regarding age or breed. 

Such as any pet insurance for illness and accident, this one also comes with a waiting period. Even though the policy covers pre-existing ailments and cognitive issues, you have to wait at least 10 days to enroll your pet.

What’s covered in the Accidents and Illnesses Plan?

Out of the three plans, the Accidents and Illnesses plan is Prudent Pet’s most affordable plan. The coverage of up to $10,000 a year for treatments is intended for various medical procedures, surgeries, specialized care, and other accident-related expenditures. 

Some of the accident-related issues covered by Prudent Pet include:

Prudent Pet’s plan does not cover any specific diseases or ailments, but it may be a suitable alternative if you want less-priced coverage for accident-related emergencies.

4. Embrace

Embrace pet insurance

Embrace is yet another of the best pet insurance for accidents and illnesses that provides an extensive coverage policy. This pet insurance provider will cover any kind of injury and illness that may occur, as long as it is not pre-existing.

Embrace will cover any unexpected injury or sickness with the pre-requisite that it’s not symptomatic or was diagnosed prior to the activation of the coverage.

The plan costs $24 a month, but the company offers an additional discount if you enroll multiple pets at once. The price is considered affordable, and the deductibles Embrace offers are almost insignificant.

What’s Covered in the Accidents and Illnesses Plan?

As one of the best pet insurance providers, Embrace covers many accidents such as:

  1. car accidents;
  2. dental trauma;
  3. and broken bones and toes;
  4. gum diseases; 
  5. crowns;
  6. root canals;
  7. and tooth extraction;
  8. cancer;
  9. pneumonia;
  10. and giardia. 

Embrace’s pet Accidents and Illnesses plan also compensates pet owners for unique breed-specific diseases like brachycephalic syndrome and hyper hypothyroidism.

5. Nationwide

Nationwide pet insurance

Besides cats and dogs, Nationwide provides insurance alternatives for birds or exotic pets. Nationwide doesn’t usually cover cognitive illnesses, however, their Whole Pet plan provides exceptional accident and illness pet insurance.

In order to enroll in this plan, you need to wait for 14 days. This pet insurance company is known as more expensive than others, thus their Accidents and Illnesses plan costs around $30.

What’s Covered in the Accidents and Illnesses Plan?

Nationwide’s coverage policy includes several issues that are quite frequent in pets, such as:

  • all kinds of vet exams;
  • treatment for some hereditary conditions;
  • surgeries;
  • hospitalization;
  • lab tests;
  • prescription medicine for cancer, pneumonia, and some infections.

On one side, this is the ideal alternative for your feathery companions; however, it may not be the greatest option for pet insurance if your breed is prone to certain genetic problems such as hip and elbow dysplasia.


Our pet insurance review is based on extensive industry research that includes reading hundreds of customer reviews and taking into consideration the most significant factors that will yield the price. 

In order to choose the best accident and illness pet insurance, we compared the best pet insurance companies in terms of coverage, price, and exclusions. 

Make sure you read our review thoroughly and choose based on your preferences. We’re sure that you’ll find the perfect option that’s most suitable for your pet’s health, and well-being, without going overboard with your finances.


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