September 23, 2022
  • September 23, 2022

Pet Injury Coverage in Auto Insurance – Forbes Advisor

By on March 4, 2022 0

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Car accidents can be quite expensive and stressful, but if your pet uses a shotgun and is injured, it can trigger a bundle of additional bills that can plague you as you deal with the emotional distress that will ensue. then. Some car insurance policies help pay for medical costs related to a pet collision, leaving you with more money for treats and recovery toys.

Here are the basics of pet injury coverage in car insurance policies:

  • Pet injury insurance reimburses you, up to coverage limits, for veterinary costs and burial costs if your pet is in your car when you have an accident and is injured or died as a result of the car accident.
  • Pet injury insurance often also covers the cost of a new pet.
  • Typically, this benefit falls under the collision coverage of your auto insurance policy. Collision coverage is optional and pays to repair or replace your vehicle, regardless of who caused the accident. It has a deductible, which is the amount the insurance company subtracts from your claim check.
  • Many insurance companies waive collision deductibles for pet injury claims, but others may not.
  • Although rare, pet injury coverage is automatically included in the standard coverage of some car insurance companies.
  • In some cases, you must pay for additional coverage beyond collision insurance to obtain pet injury coverage.
  • Pet injury coverage is generally limited to dogs and cats.
  • The animal must belong to you or a member of the household.
  • The animal must be in the car at the time of the accident.

Not all auto insurance companies include accident coverage for pets, and the details vary from company to company.

Here’s a roundup of some auto insurers that offer injury coverage for furry friends.


If you have an Acuity auto insurance policy with collision coverage, the company pays up to $500 for veterinary costs and services if you have an accident and your dog or cat is injured or dies as a result. The benefit is capped at $500, regardless of the number of animals or claims. These expenses will only be paid within one year from the date of the car accident.


If your pet dies or is injured in an accident in your car or trailer, Chubb will pay up to $2,000 per accident in medical or burial expenses under your collision coverage, regardless of the number of animals involved . There is no deductible for animal injury coverage with Chubb.

Cincinnati Insurance Co.

Cincinnati Insurance Co. includes pet injury coverage up to $2,000 with its Capstone Auto endorsement. The deductible is also waived under this additional benefit when you file the claim.

elephant insurance

Pet injury coverage for dogs and cats is included in Elephant’s collision coverage. If your pet is injured while riding with you at the time of the accident, you can file a claim and get up to $1,000 to help pay for vet bills and related expenses. Elephant Insurance covers up to two pets with this coverage.

Erie Insurance

Pet injury coverage is included in all Erie auto insurance policies. If your pet is injured in an accident while driving your car, an Erie policy will pay up to $500 per pet, with a total limit of $1,000 for associated medical expenses. Be aware that Erie is only available in 12 states and Washington, DC


Pet Injury Protection at The Hanover pays up to $2,500 for medical expenses and burial costs if your pet is injured in your car when an accident occurs. There is no deductible for animal injury protection.

The Hartford

You must have collision coverage to purchase additional pet injury benefits from The Hartford, and you must purchase it for each individual car if you want all vehicles in your policy to be covered. This coverage reimburses you for medical expenses if your dog or cat is injured while being a passenger in your car, or the cost of purchasing another animal if yours dies.


Integon will pay up to $1,000 per pet injury incident, regardless of the number of pets involved. If you have multiple incidents, Integon’s pet injury coverage caps benefits at $3,000 for one policy term for veterinary bills or the cost of buying a new pet.

If you are in hospital and unable to care for your pet, Integon will pay $25 per day and up to $125 per policy term for pet boarding expenses. If your pet is missing after an accident, Integon will pay $75 per policy period for recovery costs. If pet-related travel equipment is damaged in the accident, Integon will pay $125 per policy period to replace the equipment. There is no deductible for pet protection coverage with Integon.


Pet injury coverage for dogs and cats that you or your loved ones own is included in Metromile auto insurance policies that provide full coverage and collision coverage. Metromile offers pay-per-kilometre auto insurance that calculates your monthly bill in part based on the number of miles you travel. (Metromile was recently acquired by Lemonade Insurance.)

Pet injuries will also be covered if you have an accident while driving someone else’s car. Metromile pays up to $1,000 for veterinary costs, regardless of the number of animals injured. If your dog or cat dies in a car accident, you can receive $1,000 in death benefits, less any payment for veterinary expenses. If your pet is left in your car and the car is stolen and your pet is not found, you can receive up to $1,000 in compensation. There is no deductible.

At national scale

Nationwide’s pet injury insurance includes collision coverage. It pays up to $1,000 for treatment and medication for your dogs and cats injured in your car in an accident. The benefit is also paid if your animal dies. There is no limit to the number of animals covered. There is no deductible.


Progressive pays up to $1,000 for medical care for your dog or cat if they are injured in a car accident and you have collision insurance.


Reasonable veterinary expenses are paid for injuries to an animal you care for or own when the animal is in the car and injured in a car accident. This coverage applies to PURE car insurance policies with collision coverage, and you are also covered if you borrow a car. PURE’s pet injury coverage has no deductible.

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With so many choices for car insurance companies, it can be difficult to know where to start to find the right car insurance. We’ve rated insurers to find the best car insurance companies, so you don’t have to.

Pet Injury Coverage FAQs

How do I know if pet damage protection is included in my car insurance?

Not all policies include coverage, and you probably won’t get benefits for accident-related costs for your pet unless you have collision coverage. If you don’t see pet injury coverage listed on your auto insurance policy, ask your insurance agent if it’s available.

How do I purchase a policy that includes pet injury coverage?

When researching car insurance companies, ask if pet injury coverage is included automatically, if it’s included with optional collision coverage, or if you can purchase it as an add-on.

If my pet is walking outside and gets hit by a car, will this be covered?

No, pet injury coverage in car insurance only pays if the pet is injured or dies in an accident while in the car. For extensive coverage for pet injuries and illnesses, consider purchasing pet insurance.

What if my pet is injured in a car accident and I don’t have pet insurance?

In some cases, you may be able to get compensation for pet accident-related bills, depending on the cause of the car accident.

If your pet is traveling in your car and you are hit by another driver responsible for the accident, you could file a liability claim against the driver. In this case, you would claim property damage. Insurance companies generally consider a pet as property.