🐾 Pet Insurance Finder

Best pet insurance for accident-only coverage in the US

Accident-only plans cover injuries like broken bones, bites and swallowed objects — not illness — for a much lower price.

Ranked with the same filters and weighted scoring as our quiz, using plan data reviewed 2026-10-16. Your pet's breed, age and location change the answer — take the quiz for a personal match.

#1 · Embrace

Accident Only

Accident-only coverage — the option Embrace offers for pets too old (15+) for accident & illness.

$ BudgetAccident only
Reimburses
90%
Annual limit
$5,000
Deductible
Annual
Exam fees
Covered
Accident wait
none
Illness wait
none
  • ✓ Monthly cost: Priced budget-friendly, matching your budget priority.
  • ! Illness is NOT covered
  • ! Limit, deductible and reimbursement are from Embrace's example policy — confirm on a quote
Full Embrace details →

#2 · Pets Best

Accident Only

Low-cost accident-only coverage with a $10,000 annual limit and 90% back.

$ BudgetAccident only
Reimburses
90%
Annual limit
$10,000
Deductible
Annual
Exam fees
Covered
Accident wait
3 days
Illness wait
none

Sample monthly cost

from $6 (cats) / $9 (dogs) — Starting pricePets Best marketing floor; $7 / $10 in Washington.

  • ✓ Monthly cost: Priced budget-friendly, matching your budget priority.
  • ! Illness, cancer and chronic conditions are NOT covered
Full Pets Best details →

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