: Offers some of the most affordable flat-rate "Accident Only" coverage, starting as low as $6/month for cats and $9/month for dogs.
These cover only emergency injuries (e.g., broken bones, snake bites, swallowed objects) and are significantly cheaper than comprehensive plans.
Most providers, including ASPCA Pet Health Insurance and Lemonade , only cover cats and dogs.
Best Pet Insurance Companies of 2026 - U.S. News & World Report
: Known for an accident-only plan that doesn't limit coverage as your pet ages, which is useful for senior pets that might be "accident-prone" but difficult to insure for illness. 3. Key Factors for Success
