Car Insurance Coverage For Pets: Why You Need It

Car Insurance Coverage For Pets: Why You Need It

Car accidents are expensive and stressful enough, but if your pet is riding a shotgun and is hurt, it may result in a slew of additional expenditures that can plague you as you deal with the emotional fallout. Some pet insurance plans cover collision-related medical bills, allowing you to spend more money on get-well goodies and toys.

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The following are the fundamentals of vehicle insurance plans that cover pet injury:

  • If your pet is riding in your vehicle when you have an accident and is wounded or dies due to the accident, pet injury insurance reimburses you for vet costs and funeral fees up to the policy limits.
  • Pet insurance generally covers the purchase of a new pet as well.
  • This reward is usually included in your automobile insurance policy’s collision coverage. Collision insurance is an optional coverage that covers the cost of repairing or replacing your car, regardless of who caused the collision. It has a deductible, which is the amount deducted from your claim payment by the insurance provider.
  • Many insurance providers waive the collision deductible for pet injury claims, while others may not.
  • Pet injury coverage is included automatically as part of regular coverage from a few motor insurance providers; however, it’s uncommon.
  • Pet injury coverage is only available as an add-on to collision insurance in other circumstances.
  • Typically, pet injury coverage is restricted to dogs and cats.
  • You or a member of your family must own the pet.
  • The pet must be present in the vehicle at the moment of the collision.

All vehicle insurance carriers do not provide accident coverage for dogs, and the terms differ among those that do.

Here’s a list of vehicle insurers who offer injury coverage for your four-legged companions.


If you have collision coverage on your Acuity auto insurance policy, the insurer will pay up to $500 for vet fees and services if your dog or cat is injured or dies due to the accident. Regardless of the number of dogs or claims, the payout is restricted to $500. These costs will only be reimbursed if paid within a year after the automobile accident.


Chubb will pay up to $2,000 per accident in medical or funeral fees if your pet dies or is wounded in an accident in your vehicle or trailer, regardless of the number of dogs involved. With Chubb, there is no deductible for pet injury coverage.

Cincinnati Insurance Company is an insurance company based in Cincinnati, Ohio.

With its Capstone Auto Endorsement, Cincinnati Insurance Co. provides up to $2,000 in pet injury coverage. When you claim this add-on benefit, the deductible is also waived.

Elephant Insurance is a company that insures elephant

Elephant’s collision coverage includes pet injury coverage for dogs and cats. If your pet is injured while traveling with you at the time of the accident, you may be able to claim up to $1,000 to aid with vet costs and other expenses. Elephant Insurance provides coverage for up to two dogs.

Erie Insurance is an insurance company based in Erie,

All Erie auto insurance packages offer pet injury coverage. Suppose your pet is injured in a collision while traveling in your automobile. In that case, Erie insurance will pay up to $500 per pet for related medical expenses, with a total maximum of $1,000. Erie is only accessible in 12 states and Washington, D.C., so keep that in mind.

The Hanoverian Empire

If your pet is hurt while in your vehicle and an accident happens, The Hanover’s pet injury insurance covers up to $2,500 in medical fees and funeral costs. For pet injury protection, there is no deductible.

Hartford is a city in Connecticut.

To purchase add-on pet injury benefits from The Hartford, you must have collision coverage. You must buy it for each automobile if you want all the cars on your policy protected. If your dog or cat is hurt while riding in your automobile, this coverage reimburses you for medical expenses, as well as the cost of replacing your pet if it dies.


Regardless of the number of pets involved, Integon will pay up to $1,000 per instance of pet injury. Integon’s pet injury coverage restricts compensation for vet costs or purchasing a new pet at $3,000 for a policy term if you have numerous accidents.

Integon will pay $25 per day and up to $125 per policy term for pet boarding if you are in the hospital and unable to care for your pet. Integon will reimburse $75 each coverage term for recovery fees if your pet goes missing following an accident. Integon will pay $125 per insurance term to repair pet-related travel equipment if destroyed in an accident. With Integon, there is no deductible for pet protection coverage.


Metromile auto insurance packages with comprehensive and collision coverage offer pet injury coverage for dogs and cats owned by you or your family. Metromile offers pay-per-mile vehicle insurance, which bases your monthly price in part on the number of miles you travel. (Lemonade Insurance just purchased Metromile.)

If you suffer an accident while driving someone else’s automobile, your pet’s injuries will also be covered. Regardless matter how many dogs are hurt, Metromile will cover up to $1,000 in vet bills. If your dog or cat is killed in a car accident, you may be entitled to $1,000 in death benefits after subtracting any vet bills. If your pet is left in your vehicle and the car is stolen, you might be entitled to compensation of up to $1,000. There isn’t any kind of deductible.


Collision coverage is included in Nationwide’s pet injury insurance. When your dogs and cats are harmed in your automobile after an accident, it covers up to $1,000 for treatment and drugs. If your pet dies, the benefit will be paid out. The number of animals that may be covered is unlimited. There isn’t any kind of deductible.


If your dog or cat is injured in a vehicle accident and you have collision insurance, Progressive will pay up to $1,000 for medical expenses.


When a pet you’re caring for or own is harmed in a vehicle accident, you’ll get reimbursed for reasonable vet bills. You’re insured if you have PURE auto insurance with collision coverage, and you’re also covered if you rent a vehicle. PURE’s pet injury coverage has no deductible.

Jennifer R. Strohm