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The Ultimate Guide to Pet Insurance: What Every Pet Owner Needs to Know in 2025

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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

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  • 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

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