Animal Welfare in Automotive Insurance – Forbes Advisor – Forbes

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Car accidents can be costly and stressful enough, but if your pet is shotgun and injured it can create a ton of extra bills that you can pursue as you deal with the emotional distress afterward. Some auto insurance policies will help pay for collision-related medical expenses for a pet, so you can spend more money on treats and toys.

Here are the basics of animal welfare insurance in car insurance:

  • Animal welfare insurance will reimburse you for veterinary bills and funeral costs up to the cover limit if your pet is in your car in an accident and is injured or dies as a result of the car accident.
  • Animal welfare insurance also often covers the cost of a new pet.
  • Usually this benefit falls under the collision protection of your car insurance. Accident insurance is optional and pays for the repair or replacement of your vehicle, regardless of who caused the accident. It has a deductible, which is the amount the insurance company takes from your damage assessment.
  • Many insurance companies waive the deductible for accidents involving pets, but others do not.
  • Though rare, pet injury coverage is automatically included as part of the standard coverage of some auto insurances.
  • In some cases, you will need to pay for additional coverage on top of collision insurance to get coverage for pet injury.
  • Pet injury coverage is typically limited to dogs and cats.
  • The pet must belong to you or a member of the household.
  • The pet must be in the car during the accident.

Not all car insurance companies offer pet accident insurance, and the details vary between those who do.

Here is a roundup of some auto insurers that offer compensation to furry friends.

Visual acuity

If you have Acuity auto insurance with collision protection, the company will pay up to $ 500 for veterinary bills and services if you have an accident and your dog or cat is injured or dies as a result. Benefit is capped at $ 500 regardless of number of pets or claims. These costs are only paid within one year of the day 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 funeral expenses under your collision insurance, regardless of the number of pets involved. Chubb does not have a deductible to cover pet injuries.

Cincinnati Insurance Co.

Cincinnati Insurance Co. offers up to $ 2,000 in pet injury coverage with its Capstone Auto Endorsement. There is also no deductible when registering for this additional service.

Elephant insurance

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

Erie insurance

Pet injury coverage is included with all Erie auto insurances. If your pet is injured in an accident while driving, an Erie policy pays up to $ 500 per pet, with a total cap of $ 1,000 for associated medical expenses. Note that Erie is only available in 12 states and Washington, D.C. is available.

The Hanover

Animal Welfare in Hannover pays up to US $ 2,500 for medical and funeral expenses if your pet is injured in a car accident. There is no deductible for pet injury protection.

The Hartford

You must have collision insurance to purchase The Hartford Pet Injury Benefits, and you must purchase it on a per-car basis if you want to cover all of the vehicles in your policy. This coverage reimburses you for medical expenses if your dog or cat is injured while being in a passenger in your car, or the cost of purchasing another pet if your pet dies.


Integon pays up to $ 1,000 per pet injury, regardless of the number of pets affected. If you have multiple incidents, Integon Pet Injury Insurance limits benefits to $ 3,000 for one term for veterinary bills or the cost of purchasing a new pet.

If you're in hospital and unable to care for your pet, Integon pays $ 25 per day and up to $ 125 per term for pet accommodation. If your pet goes missing after an accident, Integon will pay US $ 75 per coverage period for rescue costs. If pet-related travel equipment is damaged in an accident, Integon will pay $ 125 per coverage period to replace the equipment. At Integon there is no deductible for animal welfare.


Pet injury coverage for dogs and cats that you or your relatives own is included in Metromile auto insurance with fully comprehensive and collision protection. Metromile offers car insurance that partially calculates your monthly bill based on the number of kilometers driven. (Metromile was recently acquired by Lemonade Insurance.)

Pet injuries are also covered if you have an accident while driving someone else's car. Metromile will pay up to $ 1,000 in veterinary bills regardless of how many pets are injured. If your dog or cat dies in a car accident, you are eligible for $ 1,000 death benefit, with all payments for veterinary expenses deducted. If your pet is left in your car and the car is stolen and your pet is not found, you can receive compensation of up to $ 1,000. There is no deductible.


Nationwide Pet Accident Insurance includes collision insurance. It pays up to $ 1,000 for treatment and medication for your dogs and cats injured in an accident in your car. The performance pays off even if your pet dies. The number of insured animals is not limited. 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 a pet that you are grooming or owning if the animal is in the car and is injured in a car accident. This coverage applies to PURE auto insurance with collision protection, and you are covered when you rent a car. There is no deductible with PURE animal welfare insurance.

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Frequently Asked Questions About Pet Injury Coverage

How do I know if animal welfare insurance is included in my car insurance?

Not all policies include coverage and it is likely that you will not be covered for accidental expenses for your pet unless you have collision insurance. If you don't see pet injury coverage on your auto insurance policy, ask your insurance agent if it is available.

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

When researching car insurance, ask if pet injury insurance is included automatically, if it's included in the optional collision insurance, or if you can purchase it as an add-on.

If my pet walks outside and is hit by a car, is that covered?

No, the motor vehicle liability insurance only pays out if the animal is injured or dies in the car as a result of an accident. For comprehensive coverage of 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, depending on the cause of the car accident, you may be eligible for compensation for a pet's accident-related bills.

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

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