by Pawlicy Advisor
Pet Insurance Terms

What is an Incident?

An incident is a distinct occurrence of an injury or illness in your pet while their insurance policy is active. For example, your pet could break their leg one month, which would be one single incident, then have a virus the following month, which would be another incident separate from the previous one.

How Incidents Work

Pet insurance policies are centered around incidents, and a claim must be filed for each one to receive reimbursement for applicable incidents.

Some pet insurance policies may have incident limits or pet-incident deductibles, which means you would need to pay a deductible per incident, which is something to note when comparing pet insurance plans.

Key Takeaways

  • An incident is each individual occurrence where your pet injures themselves or falls ill while your insurance policy is active.
  • Each incident must be reported as a separate claim to your pet insurance provider.
  • Certain pet insurance plans or providers have incident limits or per-incident deductibles, which is something to consider when choosing a pet insurance policy.

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Lifetime Pricing Score
Your Lifetime Pricing Score is a Pawlicy Advisor exclusive feature that estimates a pet insurance plan’s price over your pet’s life.
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Lost Pet Advertising & Reward
“Lost pet advertising and reward” refers to the costs associated with publicizing a missing pet and the compensation often given to a person who returns the animal to their owner.
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In the pet insurance industry, a marketplace, like Pawlicy Advisor, is a service that allows consumers to shop quotes from multiple providers in one place, compare options, and purchase coverage plans (enroll in a policy).
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