Auto Insurance Goes To Pets

Many auto insurers are now offering more than just coverage for motorists and vehicles – they’re also providing protection for their furry friends, too.

If you're a pet owner, you can now feel better when bringing Spot or Tilly along for a ride in the automobile if you belong to one of the few insurers that offer special pet injury coverage. The coverage provides reimbursement for veterinary care costs if a pet is injured in a covered auto accident.

In most cases, the coverage is only available if the pet is riding in your auto during an accident and then requires medical attention. The coverage provides for reimbursement of veterinary bills the pet owner incurs due to the accident, and some policies might even cover the burial costs if the pet is killed in the accident.

Keep in mind, Pet-injury coverage varies by company.

Here are some common examples:
  • One company actually includes the coverage in it's collision coverage, so you will need that in order to qualify for the coverage. It pertains only to cats and dogs. If the pet is injured in a car accident, fire or theft, the insurance company will pay a maximum of $1,000 in vet bills.
  • Another company will pay a maximum of $2,000 in veterinary care and includes all types of pets, such as horses, lizards, birds and rabbits, along with cats and dog. This company's pet-injury coverage is only available in select states, though.
  • A regional insurer is offering a pet injury endorsement to its auto insurance customers for an additional $20 annually. The insurance provides up to $500 in coverage for a cat or dog that is hurt or killed in an auto accident.


Like other insurance policies, customers who have pet-injury coverage need to submit a claim to their agent or insurance company if their pet is injured in a crash. Also keep in mind, this is not pet health insurance, the coverage only pertains to vet bills from auto-related injuries.