Why accident-only cover?
Because cats can be unpredictable.
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. We’ve got your back for what comes next.
If it’s an accident and your cat ends up at the vet, we can help with eligible costs such as:
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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 don't end with the injury, it’s everything that comes after to get them back on their paws.
What’s not covered?
Anything your cat 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: if it happens before or during the waiting period - even if it was an accident - it's not covered either.
What cat accidents actually cost
Many pet owners assume vet bills stay under $1,000. But accidents can cost far more.
Check out PetSure's top cat accident claims in 2025.
| Condition | Cause | Max Cost |
|---|---|---|
| Swallowed objects | String, toys, hairballs | $27,680 |
| Fractures | Falls from furniture or balconies | $86,603 |
| Poison | Plants or chemicals | $24,875 |
| Insect bites | Tick, bee or spider bites | $30,479 |
| Snake Bite | Playing with snakes | $86,804 |
| Heatstroke | Hot days and lack of shelter | $2,489 |
