I was just looking and found a plan that covers accidents and injuries only. I really do not want to pay for basic care insurance (vaccines, illness), since I do most that myself anyway. I also set back $20.00 minimum a month just for unexpected care for this special guy to make the financial blow easier should he need care. I will probably keep doing that for a while anyway.
This policy does cover:
Trauma
Poisoning
Bite (animal, insect, snake)
Hit by car or moving vehicle
Foreign body ingestion requiring surgical intervention
Bone fracture
Laceration, cut, abrasion
Wound
Torn nail
Medical problems directly attributable to accidental injury
It is a lot cheaper per month ($6.44), and these are really more the things I worry for Mario. The basic care or a moderate illness I can afford to do on an incident by incident basis. A major injury is another story, and since I live in the country on a mini farm, AND he is a service dog, an accident/injury is more likely.
So, if anyone else is interested in strictly an accident policy, I just paid $77.26 for a whole year for Mario ($500.00 deductible, 80% reimbursement, $10,000.00 a year, $200,000.00 lifetime). I paid for the whole year at once to save the transaction fee.
Here is the site:
https://www.petsbest.com/enroll/plan...?petId=1315643 (Same as VPI I believe).
The accident only option is at the bottom, and you have to make sure none of the other choices are selected.
I just printed his policy and will read it with a fine tooth comb, so if I have any add ons for this post, I will add them later.