Accident-only pet insurance
A cheaper policy that covers injuries but not illness. Which insurers sell one, and who it suits.
Updated October 2, 2026. Plan facts come from each insurer's published documents; each insurer's policy documents control.
The short answer
Embrace, Odie, Pets Best and Spot sell accident-only plans; Fetch and Healthy Paws don't, and we found none on Lemonade's pages. Embrace's plan pays up to $5,000 a year at 90% after a $100 deductible, and Odie's up to $10,000 at 90% after $250.
Accident-only plans cover injuries such as fractures, bites and swallowed objects, not illnesses.
What will it cost for your dog?
Pick your breed, age and ZIP code to see the estimated monthly price from the insurers we compare.
Accident-only plan, by insurer
| Insurer | Accident-only plan | Notes |
|---|---|---|
| Embrace | Yes, fixed $5,000/$100/90%[1] | Accident-only plan: $5,000 annual max, $100 annual deductible, 90% reimbursement; terms not flexible. |
| Fetch | No accident-only plan[2] | Fetch sells only accident and illness coverage, with optional wellness add-on. |
| Healthy Paws | No; one accident & illness plan[3] | Healthy Paws offers a single plan covering new accidents and illnesses. |
| Lemonade | Not stated publicly | We found no answer in Lemonade's published policy, terms or FAQ. |
| Odie | Yes, fixed 90%/$250/$10,000[4] | Accident Only plan has fixed terms; routine care add-ons available. |
| Pets Best | Yes, accident-only plan sold[5] | Accident-only plans cover injuries (e.g. broken legs, swallowing) but not illness or cancer. |
| Spot | Yes, accident-only plan sold[6] | Spot offers Accident Only and Accident & Illness plans, plus optional Gold and Platinum preventive care add-ons. |
| Trupanion | Not verified yet | Trupanion's website blocks automated requests, so we could not check this against its policy yet. Ask Trupanion directly. |
From each insurer's own sample policy, terms or FAQ, checked October 2, 2026. Terms vary by state and plan, and the policy you buy controls.
Check how this applies to your breed
What this means for your dog
An accident-only plan leaves out the claims many breeds are insured for: hereditary and chronic illness. Hip dysplasia in a German Shepherd, breathing problems in a French Bulldog or heart disease in a Cavalier King Charles Spaniel are illnesses, so the plan won't pay.
It makes sense in a few cases: a very active working dog, like a Border Collie or Belgian Malinois, when full cover is out of budget; an older dog whose illness cover would be expensive or exclude too much (Embrace moves dogs 15 and older to accident-only); or as a stopgap while you save.
If you can afford accident and illness cover, it protects against far more. Is dog insurance worth it?
Check how the plan handles knee injuries. Several insurers treat cruciate ligament events under their own rules: Pets Best, Lemonade and Odie apply a six-month waiting period to them, and Spot groups ligament and knee conditions together. A sudden knee injury is not always handled like a broken leg.
Before you buy
- Read the list of what counts as an accident, and what is treated as an illness.
- Check the fixed terms: annual limit, deductible and reimbursement.
- Ask whether you can switch to accident and illness cover later, and how pre-existing conditions are treated then.
- Compare the price difference with full cover before deciding.
Questions owners ask
Which pet insurers offer accident-only plans?
Among the insurers we compare, Embrace, Odie, Pets Best and Spot sell accident-only plans. Fetch and Healthy Paws do not, and we found none on Lemonade's own pages.
What does an accident-only plan cover?
Injuries from accidents, such as fractures, cuts, bites, poisoning and swallowed objects. It does not cover illnesses, including hereditary and chronic conditions.
Is accident-only pet insurance worth it?
It can be for an active dog when full cover is out of budget, or for an older dog whose illness cover would be costly. It leaves out the illness claims many breeds are insured for.
Can a senior dog get accident-only insurance?
Yes. Embrace offers accident-only cover to dogs 15 and older, and Odie, Pets Best and Spot have no upper age limit.
Sources
- What is Embrace's accident-only pet insurance plan?. Embrace Pet Insurance.
- Dog Insurance by Fetch | Pet Insurance for Dogs & Puppies. Fetch.
- Coverage & Exclusions Details | Healthy Paws. Healthy Paws.
- Help Center - Odie Pet Insurance. Odie Pet Insurance.
- Accident Only Pet Insurance | Pets Best. Pets Best Insurance Services.
- Sample Policy | Spot Pet Insurance. Spot Pet Insurance.
How we choose and check sources: Sources we use.
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