PetsOnMe Pet Insurance — Accident Plan

PetsOnMe's Accident Plan covers dogs and cats for accidental injuries only, with a $5,000 annual limit, 80% reimbursement and third party liability included. Entry runs from six weeks to 12 years, giving older pets an accident-only pathway. Consultation fees are capped at $80 for standard weekday visits and $200 for specialists, house calls or after-hours care, and diagnosis must occur within 48 hours of the event. Pacific International underwrites the policy, and insuring a second pet earns a 5% discount.