Pet Insurance Benefit Limits

As important as it is to have a health insurance plan in place for
a dog wearing a watch

As important as it is to have a health insurance plan in place for ourselves and our loved ones, that same courtesy extends to our furry friends. Pet insurance covers the cost of treatment for an injured or sick pet with varying levels of coverage depending on a number of other factors, which can include breed and age.

These insurance policies are not one size fits all, and it’s important to understand what the maximum benefit limits are under each plan. It’s important to also recognize your sub-limits for different forms of care, as well as noting what may not be covered under a specific policy. Here’s an idea of some of the benefits that most pet insurance policies cover.

Accident-Only Cover


Accident-only policies are in some cases considered an effective means of pet insurance to limit your costs but also assure benefits for your pet in the event of a medical emergency. Accident policies cover pets in the event of accidents that are someone else’s fault, and they can extend coverage to even allergic reactions to parasites. These policies are specifically designed with emergency care in mind as part of wellness coverage.

Accident-only policies will cover some treatments for injuries like x-rays, medicine, lab testing, and visits to your veterinarian. These come with a monthly premium and deductible to be cognizant of, along with exam fees that may not be covered by your pet insurance plan. It’s important to understand that the benefit limits on an accident-only policy oftentimes don’t extend to pre-existing conditions. If let’s say, an accident does exacerbate certain pre-existing conditions, it’s important to stress this to your insurer. This could pave the way to find a means to cover what could be a hefty vet bill.

Illness Coverage


While having accident-only coverage is a good safety net for pet owners to have for their furry loved ones, it doesn’t hurt to look into possibly expanding that safety net. Illness-only coverage can be paired with accident-only policies by certain insurers to treat your pet in the event they get sick.

When looking at illness-based coverage, it’s important to evaluate benefits beyond those that are the result of tick and snake bites and uncover what will take care of extensive treatment and potential hospitalization. Certain policies will see rebates on out-of-pocket expenses, with the average return for an accident and medical cover being between 75% to 80% of an invoice. It’s important to also evaluate your policies for having to pay an excess after the rebate. That could be dependent on your pet’s age, or sometimes, the premiums you pay for coverage.

Comprehensive Coverage

Comprehensive pet insurance policies are in line with their name, as they are the most expansive coverage that covers your pet in the event of an accident or illness and also for preventive care like routine check-ups, vaccinations, and worming. These policies also cover basic vet visits and consultations, from alerting you to potential cancer treatment, dietary adjustments, or even going from the leash to JoyRideHarness.

JoyRide Harness has emerged as a leading design to provide proper restraint for dogs without causing harm to your pet’s throat, spine, or other parts of the body. Veterinary experts recommend a harness over a leash, regardless of whether your canine is a pup or a large dog. Even kittens can find the right fit, as JoyRide Harness is not solely a dog harness.


Keep in mind, the healthier your furry friend, the more affordable their pet insurance coverage at enrollment. A serious illness can be a setback in premiums and deductibles and is closely monitored by the pet insurance industry. However, harnesses like JoyRide, assure your pet’s comfort and the prevention of serious physical injuries that could be a significant out-of-pocket expense.