What About Accident Only Policies?

As the name implies, "Accident Only" policies cover accidents only. They do not cover medical costs caused by illnesses.

"Accident Only" policies tend to be much cheaper than comprehensive Accident and Illness policies because they do not cover costly illnesses. Also, as a pet ages, the number of accident related injuries decreases in comparison to the number of illness related conditions. This works in the pet insurance companies favor for "Accident Only" policies.

In addition, what a pet owner considers to be an accident is not necessarily what a pet insurance company considers to be an accident. For example, some companies will not cover conditions like foreign body ingestion or cruciate injuries under their "Accident Only" policies.

If you intend to buy an "Accident Only" policy, make sure you know what you are getting for your money.

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