Accident-Only Plans: Who Should Consider Them?

Introduction

Accident-only plans are the most affordable type of pet insurance, but they offer limited coverage. They only cover sudden injuries like broken bones or ingestion of foreign objects — not illnesses. Are they the right choice? For some pets and budgets, yes. Let’s explore accident-only coverage and how to compare it effectively at AARDY.com.

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What Accident-Only Covers

• Broken bones
• Car accidents
• Poisoning
• Foreign object ingestion

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What It Doesn’t Cover

Illnesses like cancer, diabetes, kidney disease, and infections are not covered under accident-only plans. This makes them risky if your pet develops a health condition.

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Case Study: Rocky the Active Dog

Rocky was young, healthy, and energetic. His owner chose an accident-only plan to cover emergencies like injuries from rough play or running into traffic. This worked well until Rocky developed allergies, which weren’t covered. His owner then upgraded to full accident & illness coverage.

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Conclusion

Accident-only coverage is better than no coverage, but it leaves gaps. It may work for very young, healthy pets or as a budget-friendly start. Compare accident-only vs full coverage at AARDY.com to make the best decision for your pet.