Accidents
Accident coverage typically applies to sudden injuries such as broken bones, cuts, or swallowing a foreign object. It usually has the shortest waiting period.
Illnesses
Illness coverage typically applies to conditions such as infections, digestive problems, allergies, and cancer. Chronic conditions may be covered as long as they are not pre-existing and the policy stays active. Check how each plan handles ongoing conditions.
Benefits that vary the most
These benefits are where plans differ most, so verify each one in the policy documents.
- Dental: some plans cover only injury-related or illness-related dental treatment, not cleanings.
- Prescriptions: coverage for medications may be included or optional.
- Exam fees: some plans reimburse the office visit fee for a covered condition and others do not.
- Alternative therapies: acupuncture or rehabilitation may be included or excluded.
- Hereditary and congenital conditions: language varies, especially for breed-linked conditions.
Wellness and preventive care
Routine care such as vaccines and annual exams is generally not covered by standard accident and illness plans. Some insurers sell wellness add-ons that reimburse a set amount for routine items. Compare the extra premium with what you would likely spend on routine care.
Sources and further reading
This guide explains general industry practice. For the terms that apply to you, rely on the policy documents from each insurer you consider and on the consumer resources published by your state insurance department.