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Does Pet Insurance Cover Bone Fractures?

Written by: Zyra Capalac
Zyra is a Special Project Coordinator of HomeLife Media and a writer for She has 3 dogs namely Skye, Luna, and one of them is a rescue, named Tesla.Read more
| Published on August 25, 2023

Pet ownership brings immeasurable joy and companionship to our lives, but it also comes with the responsibility of ensuring the health and well-being of our furry friends. Just as medical emergencies can happen to humans, pets are susceptible to accidents and injuries too. Bone fractures are a common occurrence among pets, often resulting from mishaps or even minor falls. These incidents can lead to substantial medical expenses, prompting many pet owners to wonder: does pet insurance cover bone fractures? In this article, we’ll delve into the world of pet insurance to understand the coverage it provides for bone fractures and related treatments.

Understanding Pet Insurance

Pet insurance is a financial safety net that helps pet owners manage the costs of unexpected veterinary expenses. Similar to health insurance for humans, pet insurance policies come with varying levels of coverage, deductibles, and premium costs. Different plans offer different types of coverage, including accidents, illnesses, routine care, and sometimes even hereditary conditions. Bone fractures often fall under the category of accident coverage, but the extent to which they are covered depends on the specific policy.

Related: Where can I find the most inexpensive pet insurance?

Coverage for Accidents and Bone Fractures

Accident coverage is a key component of most comprehensive pet insurance plans. This coverage typically includes injuries resulting from accidents such as car collisions, falls, and even minor incidents like swallowing foreign objects. Bone fractures, being a common outcome of accidents, generally fall within the purview of accident coverage. However, it’s crucial to carefully review the terms and conditions of the policy to fully understand the scope of coverage for bone fractures.

Factors Affecting Coverage

Several factors can influence the extent of coverage for bone fractures in pet insurance policies:

  1. Type of Policy: Different pet insurance plans offer varying degrees of coverage. Some plans might only cover the immediate medical treatment for bone fractures, while more comprehensive plans might also cover follow-up visits, rehabilitation, and even surgery if required.
  2. Pre-Existing Conditions: Most pet insurance policies do not cover pre-existing conditions, which includes injuries or illnesses that were present before the policy was initiated. If your pet has a history of bone fractures, it’s important to disclose this information when purchasing the policy.
  3. Waiting Periods: Many insurance policies have waiting periods before certain coverages become effective. If your pet incurs a bone fracture shortly after getting insured, the policy might not cover it if the waiting period for accidents hasn’t been completed.
  4. Deductibles and Reimbursement: The deductible is the amount you need to pay out of pocket before the insurance coverage kicks in. Additionally, policies vary in terms of reimbursement percentages. For example, if your policy has a $500 deductible and a 90% reimbursement rate, you would pay $500, and the insurance would cover 90% of the remaining eligible expenses.
  5. Annual and Lifetime Limits: Pet insurance policies often come with annual and lifetime limits on coverage. If your pet’s medical expenses exceed these limits, you would be responsible for covering the additional costs.

Steps to Take

To ensure that your pet’s bone fractures are covered by insurance, consider the following steps:

  1. Research and Compare Policies: Before purchasing pet insurance, research and compare different policies to find one that offers the coverage you need, including accidents and bone fractures.
  2. Read the Fine Print: Carefully read the policy documents, including terms, conditions, and any exclusions. This will help you understand what is covered and what isn’t.
  3. Disclose Pre-Existing Conditions: If your pet has a history of bone fractures or other medical issues, be transparent about it when applying for insurance.
  4. Understand Waiting Periods: Familiarize yourself with waiting periods for accident coverage. If an accident occurs during this period, it might not be covered.
  5. Maintain Regular Check-ups: Regular veterinary check-ups can help identify any pre-existing conditions or potential risk factors for bone fractures. Addressing these issues early on might improve your chances of coverage.

Next Step: Compare the best pet insurance carriers here


Pet insurance can provide much-needed financial relief when accidents like bone fractures occur. While most comprehensive policies include accident coverage, the specifics can vary widely. Taking the time to research, compare policies, and understand the terms and conditions is crucial to ensuring that your furry companion’s bone fractures are covered. By being proactive and well-informed, you can make the best decisions for your pet’s health and well-being, while also protecting your own financial peace of mind. Remember, prevention is key, so taking steps to minimize the risk of accidents can go a long way in keeping your pet safe and healthy.

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