Accident-Illness Coverage

by Pawlicy Advisor
Dictionary
>
Pet Insurance Terms
>
Accident-Illness Coverage

What is Accident & Illness Coverage?

Accident-Illness coverage plans provide coverage benefits for treatments and tests for both accidents and illnesses that befall your pet (unlike accident-only plans). However, accident-illness coverage will not cover pre-existing conditions or routine care costs without adding a wellness plan to cover routine care.

Accident-Illness coverage is the most comprehensive type of coverage that you can have for your pet. This type of coverage is also the most common pet insurance plan type, making up 98% of pet insurance plans issued.

How Accident & Illness Coverage Works

Accident-Illness coverage gives you peace of mind knowing that your pet is covered for both accidents and sudden illnesses. This type of coverage works by reimbursing you for most veterinary costs, aside from preventive, routine care, or costs related to pre-existing conditions.

In-hospital stays, surgeries, and diagnostic tests are just a few of the things covered with accident-Illness coverage. Accident-Illness coverage helps with unforeseen veterinary expenses so that you can focus on what really matters - your pet’s health and happiness.


Key Takeaways

  • Accident-Illness coverage will not cover pre-existing health conditions or routine veterinary care costs.
  • Sudden illnesses and accidental injuries are both covered under this type of plan. This can include the cost of prescriptions needed to treat developed chronic illnesses.
  • Accident-Illness coverage is the most common form of pet insurance coverage issued within the pet insurance business.

Related Terms

Accident-Only Coverage
Accident-only pet insurance coverage will only reimburse for accidents that befall your pet, and will not cover the cost of treating illness, breed-specific health issues, or regular wellness costs.
Read More.
Accidents
Accidents are unforeseen circumstances or events that result in physical injury.
Read More.
Accreditation
Accreditation is the process where a regulatory or state organization sets standards for particular services. See the Pet Insurance Dictionary by Pawlicy Advisor.
Read More.

See related articles


14 minute read

How Does Pet Insurance Work & What Does It Cover


25 minute read

Is Pet Insurance Worth It? Here’s A Veterinarian’s Perspective


18 minute read

How To Compare & Find The Right Pet Insurance


7 minute read

Pet Insurance Options for Pre-Existing Conditions


Compare Top Pet Insurance Companies

A family with pets that are insured by Pawlicy Advisor
Pawlicy Advisor is the leading independent marketplace for finding the best coverage for your pet at the lowest rate.
Join 2,438,795+ insured dogs and cats across the US.
Get a Quote
Our pet insurance partners
Pets Best Pet Insurance Logo
ASPCA Pet Health Insurance Logo
Figo Pet Insurance Logo
Petplan Pet Insurance Logo
PetFirst Pet Insurance Logo
Hartville Pet Insurance Logo