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Your pet is an important member of your family. And they often ride along with you in the car. If your pet is injured in a car accident, pet injury coverage can help pay for medicine and veterinary bills to get you back on your two — and four — feet.
Your existing auto insurance policy might cover pet injuries as part of collision or comprehensive coverage. For example, Progressive and Metromile cover pets for up to $1,000 at no additional cost as long as you carry collision or comprehensive on your policy.
Other car insurers categorize pet injuries after an accident as property damage. As callous as it seems, considering pets as property is unfortunately very common in the insurance and legal industry. This also limits pet coverage to accidents that aren’t your fault.
Yes, it can be a huge bonus for pet owners who already have collision coverage. You won’t pay extra for this coverage, since it’s usually included with your collision or comprehensive coverage. Pet injury coverage is ideal if you frequently drive with your cat or dog and don’t have funds set aside for unexpected vet bills — which can run in the thousands, depending on the injury.
Ask your car insurer if pet injuries are included in your policy and how much you’re covered for. If you’re looking for an insurer that offers pet injury coverage, it’s a good idea to shop around and make sure you aren’t going to pay more for the policy than you’re getting in benefits.
Pet injury insurance covers veterinary bills, medicine and related costs if your pet is injured in a car accident or other insured event, such as fire or theft in the case of a comprehensive claim. Some insurers provide up to $2,000 to cover medicine and veterinary bills for your cat or dog, which is enough to cover many minor injuries.
Much like personal injury protection for humans, pet injury coverage also includes what’s typically known as funeral expenses. In the tragic event that your pet is killed in a car accident, you’ll still receive the same compensation to pay for things like euthanasia or cremation.
After a car accident, your pets are typically covered for vet costs related to the accident, which can include:
To use your pet coverage, make a claim through your insurer after an accident.
Jack rear-ended a stopped car on the way to the pet groomer, causing his dog Molly to hit her head on the windshield.
Jack’s liability coverage covers the costs for the other driver. Because he has pet injury coverage included with his collision coverage, his policy would kick in for veterinary bills. Molly’s vet check-up and X-ray or CT scan are covered by the maximum coverage, saving Jack $1,000 out of pocket.
A few restrictions on what’s covered with pet injury coverage should make you pause and consider how much your pets are really covered for in a car accident.
Your vet bills might not be completely covered or covered at all after a car accident. You’ll need to find a way to pay for your pet’s bills out of pocket.
Pet injury insurance differs from pet insurance, which is like health insurance for pets. Pet insurance policies come complete with deductibles, copays and premiums — extending coverage beyond car accidents. Consider adding pet insurance if you would have trouble covering major pet bills after an accident.
Other alternatives include veterinary financing options, such as Care Credit. With vet financing, you can pay for vet bills over time or at a discounted rate.
Your car insurance policy could already protect your pet as part of your collision coverage or general property damage. Otherwise, you may need to add pet injury insurance to extend your policy to the furriest members of your family.
Ask about limits that can top out at $2,000 with some insurers. And know what is and isn’t included by your insurer.
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