The Ultimate Guide to Pet Insurance: What Every Pet Owner Needs to Know in 2025
ByOlivier
Advertisement
5. Pet Insurance Plan Types
Generally speaking, pet insurance coverage comes in three varieties:
1. Accident-Only Plans
-
Cover emergencies and injuries only
-
Reduced premiums
-
Perfect for budget-conscious owners or young, healthy pets
2. Accident and Illness Plans
Advertisement
-
Includes coverage for both unforeseen illnesses and injuries
-
The most popular and complete choice
-
Greater coverage but higher prices
3. Wellness or Preventive Plans
-
Usually added onto a main plan
-
Includes screening tests, immunizations, regular treatment, and exams
-
Useful for budgeting for routine care