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 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 can help cover the eligible costs of unexpected injuries from incidents like falls, fights, or car accidents.
Does Accident-Only Pet Insurance Cover Illnesses?
Accident only pet insurance plans generally do not cover the cost of treatment for illnesses, as it is specifically designed to address injuries resulting from unexpected accidents. Illness coverage typically falls under more comprehensive plans such as Spot’s accident and illness plan which can cover treatment costs for covered infections, digestive issues, allergies, cancer treatments, chronic diseases like diabetes or kidney disease, and more. Visit our dog insurance or cat insurance pages to learn more.
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. For more information about our plans, visit our dog insurance or cat insurance pages.
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. Learn more about what our accident-only plans can cover on our Dog insurance or cat insurance pages.
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 condition that occurred prior to the start of the policy period, or during the 14-day waiting period after enrollment.
Happy Pet Parents Trust Spot
Great support and fast process
Whenever I called for help, I got more than enough support from the team. And the reimbursement process was fast. Thank you
Spot is super easy to use!
Spot is super easy to use. It's hard to add another monthly expense but at the end of the day it has covered so much of our unexpected vet bills for our 3 dogs. We appreciate Spot and so do my pups!
As most know our dogs are our family
As most know our dogs are our family! Our dog got hurt and I had to rush her to the emergency vet clinic. Knowing I had insurance the focus was on Pepper our dog and not o what it would cost or even a little oh no moment. Thank you for this opportunity to take a weight off and get our puppy to a dr. who was amazing!!
I’m glad I have my cats protected
I’m glad I have my cats protected! Filing claims are so easy with the Spot App, and money is direct deposited so fast. Glad I went with Spot!
They make reimbursement an easy and…
They make reimbursement an easy and straightforward process! It definitely made the pet parent stress such a relief!
customer service is always helpful
customer service is always helpful. payments for reimbursement are always prompt and easily explained. I have been very pleased and happy with Spot insurance.
Easy to make claims
Easy to make claims. Great customer service and great insurance pricing.highly recommended insurance company.
Everyone I spoke to was a wonderful and…
Everyone I spoke to was a wonderful and very helpful
Submitting the claim was simple and the…
Submitting the claim was simple and the processing was fast. Thank you!
Service Dog recommended
I have a service dog so it's very important that he see the vet for his annual visits as well as for any injury or illness that may occur. There are times when I don't have the money so spot helps me save money as well as giving me the confidence that my dog will be taken care of
*10% multi-pet discount available on all pets enrolled after the first.