Accident - Only Insurance for Cats and Dogs
Get Reimbursed on Exam Fees for Covered Conditions^
Microchip Implantation Coverage Included in Every Plan
Accident-Only Plans Available
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Pet Insurance with Accident Coverage
Pet accident-only insurance plans may be useful for pet parents concerned about potential unexpected injuries their pets might experience. Spot’s accident-only plan can help manage the covered costs of emergency vet visits, surgeries, and other treatments resulting from unexpected accidents. Active pets, adventurous animals, or those living in hazardous environments can particularly benefit from this plan, helping provide you with some peace of mind in case of sudden mishaps.
What is an Accident in Pet Insurance?
An accident in pet insurance plans typically refers to unexpected injuries or incidents that result in harm to your pet. Pet accident-only insurance plans are designed to help manage the eligible costs of treating these sudden injuries, which can include emergency vet visits, surgeries, and related treatments. Spot knows that the unexpected can happen, which is why pet accident insurance that covers the unexpected can help make a difference for you and your pet.
Is Accident Only Coverage Worth It?
Our team at Spot understands that life can happen fast. Accident-only pet insurance plans can be worth considering for pet parents concerned about the financial impact of sudden unexpected injuries. Active pets, such as energetic dogs, adventurous cats, or pets that spend a lot of time outdoors, may particularly benefit from this type of coverage.
What is Not Covered in an Accident-Only Plan?
An accident-only plan typically does not cover illnesses, routine care, or preventive care services like vaccinations, wellness exams, dental cleanings, and chronic conditions. The accident only plan is focused on covering injuries resulting from unexpected accidents rather than general health maintenance or illness treatments. It is also important to note that pre existing conditions and symptoms that occur during the waiting period are generally not covered.
Do Cats Need Accident Coverage?
Cats can benefit from accident-only pet insurance plans, particularly if they spend time outdoors. This type of insurance plan can help cover the eligible costs of unexpected injuries from incidents like falls, fights, or car accidents.
What is the Waiting Period for Accident - Only Insurance?
The waiting period is the time between when policy coverage starts and when you can start using it for certain conditions. Spot Pet Insurance has a 14-day waiting period in most states.
Refer to your policy documents for information about waiting periods in your state.
Does Accident Only Pet Insurance Cover Illnesses?
No, Accident only pet insurance is a base level plan that only covers unexpected incidents. However, Spot’s accident and illness plans are geared towards helping pets that get involved in unexpected accidents along with some illness that your pet is experiencing.
Does Pet Insurance Cover Car Accidents?
Yes pet insurance can help cover car accidents. Some pet insurance plans, like our accident-only plan, can handle eligible future vet expenses resulting from an unexpected incident like a car accident. You should also note that coverage begins after the waiting period.
Examples of Pet Accidents
Some examples of accidents that could be covered under an accident only plan include:
Swallowed objects
Toxic ingestion
Skin wound treatments
Animal Wounds
What Can be Covered in Accident & Illness Pet Insurance?
Accident and illness pet insurance plans can cover a range of unexpected veterinary costs, including treatments for injuries, surgeries, diagnostic tests, and illnesses such as infections or chronic conditions.
This coverage can be beneficial for helping manage sudden accidents and future health issues that may require ongoing care, helping make extensive pet care more affordable, and reducing the financial strain that can be caused by high vet bills.
Vet Exam Fees
Microchip Implantation
Behavioral Issues
X-rays & Tests
Emergencies & Hospitalizations
Skin, Eye, and Ear Infections
Hereditary Conditions
Dental Illnesses
Vet Exam Fees
Microchip Implantation
Behavioral Issues
X-rays & Tests
Emergencies & Hospitalizations
Skin, Eye, and Ear Infections
Hereditary Conditions
Dental Illnesses
Digestive Illnesses
Hip Dysplasia
Cancer & Growths
Infectious diseases & diseases from parasites
Orthopedic
Swallowed Objects & Toxins
Diagnostics & Treatments
Prescription Medications
Surgery & Specialized Care
Advanced Care
Virtual Vet Visits
Alternative Therapies (e.g. Acupuncture)
Affordable Plan Options for Dogs & Cats
Life is full of surprises. Spot helps pet parents plan for them through easy and simple pet insurance options that can be used at your licensed vet in the US or Canada.
Pet Accident Insurance FAQs
What is considered accidental in pet insurance?
Spot’s Accident-only plan can help cover the cost of exam fees, surgery, hospitalization, medical supplies, medications, and more for covered accidents. Injuries resulting from a fall, fight, or an unexpected incident such as a car accident, can also typically be covered under your Spot plan.
What are the three types of pet insurance plans?
Spot offer’s two base plans; accident-only or accident and illness, in addition to providing preventive care add-ons that can be added to any base plan for an additional fee.
Is it worth making a pet insurance claim?
Spot plans can help pet parents get up to 90% cash back on covered vet costs, but reimbursements are only sent out after your pet insurance claim has been processed. Spot offers fast and easy claims processing, so we highly suggest all of our policyholders submit a claim after each vet visit.
What does accidental pet insurance coverage cover?
>>Spot’s accident-only plan can help cover the cost of veterinary services like exam fees, diagnostic services like MRIs, CT scans, and x-rays, surgery or hospitalization, medical supplies, prescription medications and more for covered accidents. Most vets will accept pet insurance. <<
What voids pet insurance or what will pet insurance not cover?
>>Pet insurance typically does not cover any costs related to pet grooming or breeding, in addition to any treatment costs for pre-existing conditions. Pre-existing conditions are defined as any symptom or condition that occurred before the start of the policy period, or during the 14-day waiting period after enrollment.<<
Happy Pet Parents Trust Spot
Was reassuring to know we had Spot Insurance
Our fluff had some unexpected medical issues over the course of several months. It was so reassuring to know that we had Spot insurance and could rely on them to help alleviate our financial stress. They were very timely in addressing our claims and made the process very easy.
Easy & fast
Claim submission is super easy, everything can be done in app. And the case was completed within a week. It's easier and faster than expected makes me more confident to keep on buying insurance from Spot.
Satisfied Customer
I got Spot Pet Insurance when my Havanese Poodle was 8 months old. So far, I have used it a few times: when my pet was neutered, for puppy vaccinations, and when he was sick (unfortunately). It has been easy to navigate the website and submit the claims. They are quick to review and reimburse for the things that are covered. They communicate promptly, and so far, I am satisfied with their service. I give them a thumbs up!
Good service for my two puppy’s!!
Good service for my two puppy’s!!
Peace of Mind
Easy to file the claim! Our claim was approved quickly and paid out the next day! It's a peace of mind to have this coverage!
Great Customer Service
I have recently filed 2 separate claims. Both were easy to download using the app and both were processed very quickly, and in both cases I was reimbursed to my complete satisfaction. When I have had to call, customer service has been very courteous and have helped me to my complete satisfaction. I have used 2 other pet insurance companies prior to Spot and neither were anything like the customer service I have been provided with Spot
Love Spot Pet Insurance
Having Spot Insurance is having peace of mind. They have great customer service and process claims quickly.
I am so glad i went with Spot pet…
I am so glad i went with Spot pet insurance. THe process was easy. And i am happy to say after a very expensive ACL tear on my dog. Spot paid the allotted amount in a timely and painless manner. The payment was exceptionally fast. I was worried they wouldn't pay it quickly and they did, saving me credit card charges. I totally recommend. THank you Spot Family.
Quick response and payment on my claims.
Quick response and payment on my claims.
We love Spot ❤️
I have had pet insurance with Spot, since September 2023. I submitted my first claim may 2025. I provided the requested paperwork, and I was told I had met my deductible and they approved the claim. It was as easy as learning to ride a bike! We love Spot ❤️
*10% multi-pet discount available on all pets enrolled after the first.
^Exam fees for wellness or annual exams are not covered unless you have purchased the optional preventive care coverage
1 Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $750 annual deductible, and a $2,500 annual limit for a 2-year-old mixed cat in 33801. Plan costs vary.
2 Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $500 annual deductible, and a $2,500 annual limit for a 2-year-old small mixed dog (11-25lbs) in 32009. Plan costs vary.