---
title: Accident-Only Pet Insurance | Enroll In Accident-Only Cat &amp; Dog Insurance - Embrace Pet Insurance
description:  Get an online quote for accident-only pet insurance now. Accident-only cat & dog insurance is an affordable, cost-saving solution for older pets & pets with pre-existing conditions. Learn more about pet accident insurance today at Embrace Pet Insurance.
lastUpdated: 2025-10-02T19:06:24.000Z
sources:
  html: https://www.embracepetinsurance.com/coverage/accident-plan
  md: https://www.embracepetinsurance.com/coverage/accident-plan.md
---

---

![](//images.ctfassets.net/cy68knbg9g5b/1OIpB09xTf7QjyNLhuL0zV/23195a67420891f0af5e62c053626891/Mobile_-_6.png)

# Accident-only pet insurance plan

Older pets and those with certain pre-existing conditions can benefit from Embrace's accident-only pet insurance coverage.



---

---

## Frequently asked questions about accident-only dog & cat insurance

### Which pets are best suited for pet accident-only insurance?

While no longer eligible to enroll in a new accident and illness pet insurance [policy](https://www.embracepetinsurance.com/coverage), dogs and cats aged 15 years and older can benefit from Embrace's dog and cat accident-only insurance.

### What does accident-only pet insurance cover?

There are many things that qualify as accidents that Embrace covers including:

- Bloat
- Foreign body ingestion
- Getting hit by a car
- Poisoning
- Cuts & lacerations
- Prescription drugs for covered conditions*
*Prescription drug coverage not included on policies in NY.

To help with routine care, we also offer the following optional products:

- [Wellness plans](https://www.embracepetinsurance.com/research/pet-wellness-care-plans) can pay you back for items such as annual check-ups, spay/neuter procedures, vaccines, heartworm preventatives, and more.

### What conditions are not covered by Embrace's accident-only plan?

Along with pre-existing conditions, the accident-only pet insurance plan does not cover:

- Illnesses
- Breed-specific & genetic conditions
- Congenital conditions
- Chronic conditions
- Cancer
- Dental Illness

### How much does the accident-only plan reimburse?

An Embrace accident-only policy reimburses you up to $5,000 each year. There is a $100 deductible that you pay once per year, and then you're reimbursed 90% of your veterinary bills.



---