This is the most basic and affordable option. It strictly covers medical costs resulting from sudden, unexpected physical injuries.
Covers: Broken bones, bite wounds, object ingestion, poisoning, and burns.
Excludes: All illnesses (cancer, infections), breed-specific conditions, and routine care.
This is the most popular and standard “full coverage” plan. It covers everything in an accident plan plus medical issues that develop over time.
Covers: All unexpected injuries, plus illnesses like cancer, allergies, arthritis, digestive issues, and infections.
Excludes: Pre-existing conditions (almost universally excluded) and routine exams.
Often sold as an “add-on” or rider rather than a standalone policy, this helps budget for routine maintenance.
Covers: Annual checkups, vaccinations, flea/tick prevention, and dental cleanings.
Excludes: Any medical treatment for sickness or injury.
