TYPES OF PET INSURANCE
YOUR CHOICES
There are three main types of pet insurance, each offering different levels of coverage:
1. Comprehensive , Accident and Illness
2. Accident only
3. Wellness
Comprehensive Pet Insurance (covers both Accident and Illness plans):
- What it covers: Offers broader coverage, including both accidents and a wide range of illnesses. This can include common illnesses (e.g., ear infections, UTIs) as well as serious illnesses (e.g., cancer, diabetes). It also typically covers diagnostics, procedures, hospitalization, and medication related to these conditions.
- What it doesn't cover: Similar to accident-only plans, it generally excludes pre-existing conditions and routine preventive care.
- This is the broadest type of coverage, covering both accidents and illnesses, including:
- Injuries from accidents (e.g., broken bones, accidental poisoning)
- Illnesses (e.g., infections, chronic conditions like diabetes or arthritis)
- Emergency care and hospitalization
- Diagnostic testing
- Prescription medications
- Some plans may also cover hereditary/congenital conditions and behavioral issues.
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TYPES OF PET INSURANCE
ACCIDENT ONLY
Accident-Only Pet Insurance:
- What it covers: Provides reimbursement for unexpected injuries and accidents. This includes incidents like broken bones, bite wounds, swallowed objects, toxic ingestions, and related diagnostic services and treatments such as X-rays, medications, and emergency surgery.
- What it doesn't cover: Does not cover illnesses, chronic conditions, or routine care like vaccinations or annual check-ups.
- This type of insurance focuses on covering injuries resulting from accidents but does not cover illnesses.
- This is typically a more affordable option than comprehensive plans.
- Covers things like broken bones, bite wounds, and accidental poisoning.
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TYPES OF PET INSURANCE
YOUR CHOICES
Wellness Plans Pet Insurance (Preventive Care):
- What it covers: Helps cover the costs of routine and preventive care services, such as:
- Wellness exams
- Vaccinations
- Routine dental care (like teeth cleaning)
- Microchipping
- Preventative medications (e.g., flea, tick, heartworm)
- What it doesn't cover: Generally does not cover accidents, illnesses, or emergency treatments.
- Note: Wellness plans are often offered as an add-on to accident-only or accident and illness policies.
- These plans are separate from pet insurance and are designed to help you manage the costs of routine and preventative care, such as:
- Wellness exams
- Vaccinations
- Preventive medications (e.g., flea and tick treatments)
- Dental cleanings
- Microchipping
- Some companies offer these as an add-on to pet insurance, while others may be standalone or offered through a veterinary hospital.
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