Why accident-only cover?
Because dogs are unpredictable.
They have no fear… and no money. Accidents get expensive fast. Accident-only cover keeps things simple and clear, so you only pay for the cover you actually want.
What we help cover (when it’s mishap-related)
The injury is just the start — it’s not always obvious what’s gone wrong and we’ve got your back for what comes next.
If it’s an accident and your dog ends up at the vet, we can help with eligible costs like:
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Emergency vet visits
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Tests and diagnostics (blood tests, x-rays, scans)
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Treatment and procedures
Surgery (if needed) -
Hospital stays
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Medication
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Follow-up care related to the accident
In short, accidents aren’t just the injury, it’s everything that comes after to get them back on their paws.
What’s not covered?
Anything that your dog gets, catches, or develops over time. This includes things like cancer, diabetes, arthritis, allergies, and infectious disease — plus routine care like vaccinations, wellness checks, and dental cleans.
And just so it’s clear: even if it was an accident, if it happens before or during the waiting period that’s not covered either.
What dog accidents actually cost
Many pet owners assume vet bills stay under $1,000.
But accidents can cost far more.
| Condition | Cause | Avg Cost |
|---|---|---|
| Tick paralysis | Tick exposure in grassed areas | $3,800 – $59,000 |
| Swallowed objects | Toys, food, or foreign objects | $1,700 – $28,000 |
| Fractures | Falls or collisions | $4,500 – $27,000 |
| Poison | Chocolate, grapes, chemicals | $800 – $23,000 |
| Cruciate ligament | Sudden twist while running | $4,000 – $18,000 |
| Heat stroke | Overexertion on hot days | $2,700 – $13,000 |
| Insect bites | Bee or wasp stings | $500 – $13,000 |
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