Accident-only pet insurance covers injuries like broken bones and swallowed objects at a low cost. Comprehensive (accident + illness) plans also cover illnesses, infections, and chronic conditions — more protection for a higher premium.
Two Options
By the Home & Dime Editorial Team · Updated 2026
Accident-only
- Cheap.
- Covers injuries, not illness.
Comprehensive
- Covers accidents + illnesses (cancer, infections, chronic conditions).
- Best overall protection.
Common exclusions
- Pre-existing conditions (both types)
- Wellness care (needs an add-on)
Tips
- Choose comprehensive for full protection.
- Accident-only suits tight budgets.
- Enroll early to avoid pre-existing exclusions.
Frequently asked questions
Which is better?
Comprehensive covers far more; accident-only is cheaper.
Does accident-only cover cancer?
No — that’s an illness.
Related guides
Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.
Part of our Pet Insurance guide
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