Insurance option I did not know about--accident/injury only.
 

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.

And, if anyone is going to get this policy after reading my post, I would appreciate if you use this link to show I referred you and you would get $12.00 off the first year:

https://www.petsbest.com/customerportal#

Wrong link for referrals. Sorry, try this one: http://www.petsbest.com/PH5843375

The page you tried was not found. You may have used an outdated link or may have typed the address (URL) incorrectly.

I used the second link you posted.

Glad if helps anyone. Because of the state I live in, I do not get anything for referrals, but I hope you still get the $12.00 off. It appears the referral link does not work, but you can still call and ask about the discount as a referred customer. Here is what my profile page says:

"1. Points can not be awarded to residents of AR, GA, IL, IN, KY, ME, NC, NH, NJ, NY, TX, VA and WA, where referral programs are not allowed by law. Residents of these states may still send referrals through Facebook, email, and the link provided, but will not be eligible to earn points.

2. $12 savings available in all states except MD."

Ah, we posted at the same time. You may have to call and give them that referral ID PH5843375 and see if they are still doing the $12.00 off for you.

There are a lot of companies that are insurance accident/only. We have Embrace and wellness is optional.

I am glad it is available several places. I looked at three other companies after I found accident only was available. For Mario, Embrace wanted $254.55/yr (no wellness) for the what appears to be the same plan that I paid $77.00/yr for through PetsBest.

I am sure Embrace covers something PetsBest does not or the argueing is less, when you do need it, with Embrace. I am sure there is a reason. I went with PetsBest because of the price difference and because, just like everyone, I hope to never need it, so I do not want to pay a lot for it.

For us, it really is strictly is a true emergency insurance for a bizarre and expensive occurrence. I can take care of minor or moderate costs for the little guy, but $10,000 (not reimbursed) does not come as easily.

Embrace seems to cover cancer treatment and some genetic conditions in their accident plan. PetsBest does not.

I have a high deductible of $1,000. So my annual premium is about $125 for Winston who is 4.

I think it is awesome we have so many choices now days. I am old enough to remember if a dog got "too" sick or hurt, then you just put them down. I don't recall a vet being within 30 miles of where I lived as a child. Nor do I recall my folks ever taking a dog to the vet for anything. I am glad the tides are changing and we now have more choices on how to care for our furry kids.

I went with the $500.00 deductible by deciding $10,000 a year outlay (say the little guy was hit by a car or bit by a snake---easily could be $10,000) then that would be 80% if $10,000 plus $500.00, so $2500.00 plus incidentals the insurance does not cover.

I think it is awesome we can each pick what fits our budget and lifestyle rather than a one size fits all insurance options.