Are All Accidents Covered by Accident Only Pet Insurance?

by | Jun 27, 2024 | Cats, Dogs, Pet Insurance

Pet insurance can help cover the costs of unexpected medical emergencies. Accident Only pet insurance is a specific type of coverage that protects your pet from unforeseen accidents and injuries. This type of insurance can be a cost-effective option for pet owners who are primarily concerned about their pet’s safety and want to be prepared for unexpected incidents. Unlike comprehensive pet insurance plans that cover a wider range of medical conditions, accident-only policies typically have lower premiums but provide more limited coverage. In this article, we’ll explore the common accidents covered by this type of policy, the factors to consider when selecting coverage, and the importance of making an informed decision about protecting your beloved companion.

Common Accidents Covered by Odie Pet Insurance’s Accident Only Plan

Accident Only pet insurance policies are designed to provide financial protection for your pet in the event of unexpected injuries or mishaps. While the specific coverage may vary between providers, several common types of accidents are typically covered under these plans. Let’s take a closer look:


Accident Only pet insurance often covers the treatment of wounds, such as lacerations, punctures, or abrasions, as well as bite wounds, snake bites, and bee stings that may occur due to accidents. This can include the costs of veterinary visits, wound cleaning, sutures, and any necessary medications or bandages.

Injuries, Fractures, and Broken Bones

If your pet suffers an injury, including eye injuries, traumatic dental, sprains, broken bones, or fractures due to an accident, accident-only insurance can help cover the expenses associated with the diagnosis, treatment, and rehabilitation process. This may include x-rays, casting, splinting, and surgical interventions.

Injuries from Vehicle Accidents

One of the most common and potentially severe accidents covered by Accident Only pet insurance is injuries sustained from being hit by a vehicle. This can include treatment for broken bones, internal injuries, or even life-threatening trauma, depending on the severity of the incident.

Wounds, fractured and broken bones are covered by Accident Only pet insurance.

What to Consider When You’re Insuring Your Pet?

When it comes to selecting the right pet insurance coverage for your furry companion, there are several crucial factors to consider. Let’s explore these key elements to help you make an informed decision:

Pet’s Age and Breed

The age and breed of your pet can significantly impact the cost and comprehensive coverage of your pet insurance policy, though this may not apply to accident-only coverage. Younger pets may have lower premiums, but the premiums may increase as they age. Additionally, certain breeds may be more prone to specific accidents or injuries, affecting coverage and premiums.

Coverage Limits and Deductibles

Accident Only pet insurance policies often come with coverage limits, which is the maximum amount the insurer will pay per incident or annually. Deductibles, the amount you must pay out-of-pocket before the insurance coverage kicks in, can also vary between providers. Understanding these limits and deductibles can help you choose a plan that aligns with your budget and needs.

Pre-existing Conditions

It’s important to be aware that pre-existing medical conditions are typically not covered by Accident Only pet insurance. If your pet has a known condition or has received treatment for a specific issue in the past, it may be excluded from your policy. This is an important consideration when selecting coverage.

What Does Odie Pet Insurance Cover?

Pet insurance covers various veterinary expenses, providing financial protection and peace of mind for pet owners. Here are the details of the coverage options offered by Odie Pet Insurance:

Illness & Injury Plan

The Illness & Injury Plan is an all-inclusive insurance plan designed to cover a wide range of medical needs for your pet. This plan includes comprehensive coverage for various illnesses, injuries, and veterinary services. Some of the covered items include:

  • 24/7 Televet Chat
  • Emergency vet visits
  • Overnight hospital stays
  • IV Fluids & Medications
  • Medical Supplies
  • Surgeries
  • MRI/CAT Scans
  • Rehabilitative Care
  • Prescription Medications
  • Gastrointestinal issues
  • Laboratory Tests

Accident-Only Plan

The Accident Only Plan is designed for pet owners seeking coverage specifically for accidents. This plan provides financial protection for emergency veterinary care resulting from accidental injuries. It includes 90% reimbursement up to $10,000 each year, with a $250 annual deductible. 

Here’s an overview of the Accident Only Plan:

  • Coverage for broken bones, sprains, eye injuries, and traumatic dental fractures.
  • Coverage for wounds, including bite wounds, lacerations, snake bites, and bee stings.
  • Veterinary treatments covered for accidental injuries include X-rays & ultrasounds, laboratory tests, emergency care, hospitalization, CT scan & MRI, and surgery.

The Wellness Add-on Plan

The Wellness Plan is an add-on for routine care coverage you can purchase with an insurance policy. It focuses on preventive care and covers routine veterinary services. Odie has two wellness plan options available: 

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