Pet Injury Coverage: Is your pet covered if it is injured in a car accident?

If you are in a car accident with your pet in the car, you may have pet injury coverage through your auto insurance company that will help pay for any necessary medical care. Your auto insurance policy likely only offers pet injury coverage if you carry collision insurance. If you do not currently have pet injury coverage included in your auto insurance policy, you can look into purchasing pet insurance or shop around for another auto insurance provider.

Free Auto Insurance Comparison

secured lock Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Apr 29, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • Pet injury coverage is often included in collision coverage for most auto insurance companies
  • Most insurance companies will only cover dogs and cats that are injured in a car accident
  • You will need to read through your current auto insurance policy to see if your pet is covered in the event of an accident

If you have a pet that travels in the car with you, you may be curious about what would happen if you were ever in a car accident. Would auto insurance cover any necessary vet bills if your pet were to get injured? Is there specific pet injury coverage you should carry in an auto insurance policy?

Because every auto insurance company handles things differently, you will need to check your policy to see whether your pet is covered in the event of a car accident.

What happens if my pet is injured in a car accident?

According to the Insurance Information Institute (III), around 70% of American families, or around 90.5 million families in the U.S., own at least one pet. Because many people travel with their pets in the car, pet safety in the event of a car accident is a significant concern for a lot of people.

There are some auto insurance companies that will help to pay for collision-related medical expenses, but there are plenty of insurance companies that do not include this type of coverage.

When it comes to pet injury coverage within an auto insurance policy, the basics tend to include:

  • Reimbursement up to coverage limits for vet bills or burial expenses as a result of a car accident
  • Coverage for the cost of a new pet
  • Reimbursement up to coverage limits for damaged pet restraint or pet carrier equipment that was damaged as a result of a car accident

The coverage listed above is typically included in a collision insurance policy. If you only have liability, or if you have liability and comprehensive coverage without collision, your pet’s injuries may not be covered by your insurance policy.

Some insurance companies will not require you to meet your collision deductible before they pay for your pet’s injuries, but you will need to read through your policy to be sure.

If your auto insurance company does not include pet injury coverage within its collision coverage, you may have the option of purchasing an add-on to cover your pet.

Most auto insurance companies will limit pet injury coverage to dogs and cats. If you have another kind of pet in your car during an accident and that pet is injured, you may have to pay for any vet bills or burial costs out of your own pocket.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

What if my auto insurance doesn’t offer pet injury coverage?

If your auto insurance provider does not offer pet injury coverage, you can look into purchasing pet insurance that would cover your pet in a car accident. For pet parents who make a lot of trips to the vet — even for simple wellness routines — pet insurance may be a wise investment.

You can also shop around to find auto insurance that would cover your pet if you’re ever in an accident. It may be possible to find a collision policy that includes pet injury coverage with cheap auto insurance rates compared to what you currently pay.

Be sure to use our free quote tool below to find and compare collision auto insurance rates from top companies in your area today.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption