by Pawlicy Advisor
Pet Insurance Terms

What are Accidents?

Accidents are unforeseen circumstances or events that result in physical injury. Examples of an accident include your pet being stung by an insect or bitten by a snake, your pet stepping on broken glass, or your pet falling and breaking a bone. These are examples of accidents rather than illnesses.

How Accidents Work

An accident happens when your pet is physically injured, resulting in injuries like cuts, burns, or fractures. These are distinct from illnesses like hip dysplasia, viral infections, or parasites.

When shopping for pet insurance, keep in mind the difference between accidents and illnesses. Some insurance providers offer accident-only coverage plans and as well as accident& illness coverage plans. Most people opt fo the latter accident & illness combo plan.

Key Takeaways

  • Accidents are injuries that happen as an unforeseen event, rather than occurring due to your pet developing a health problem or illness.
  • Examples of accidents include: bites, burns, cuts, abrasions, or fractures.
  • Some pet insurance plans only cover accidents, while others will cover both accidents and illnesses. Take a close look at the differences between the two when choosing what will be best for your pet.

Related Terms

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.
Adverse Selection
Adverse selection is an imbalance between higher-risk, sick pets and healthy pets, who may require less coverage, under a pet insurance company’s coverage.
Read More.
Affiliate Commission
Affiliate commissions are referral fees that a pet insurance company, marketplace, blog, or another source may earn from referring new customers.
Read More.

See related articles

Dog covered from bad weather under Pawlicy umbrella
14 minute read

How Does Pet Insurance Work & What Does It Cover

Puppy Dalmation at a veterinary checkup.
16 minute read

Is Pet Insurance Worth It in 2022? Here’s A Vet’s Perspective

pet insurance comparison showcase
18 minute read

How To Compare & Find The Right Pet Insurance

pug with pre-existing condition wrapped in a blanket
7 minute read

Pet Insurance Options for Pre-Existing Conditions

Girl holding dog

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
MetLife Pet Insurance Logo
Hartville Pet Insurance Logo