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Pet Car Insurance Covers Car Accident Injuries

By Stephanie Rabiner, Esq. on June 21, 2011 | Last updated on March 21, 2019

Do you need pet car insurance?

Wait, what is pet car insurance?

A newer trend, this type of insurance covers veterinary care should your pet be injured while in your car, whether in an accident or not.

So if you're prone to toting Fido or Tiger or even Iggy from place to place, pet car insurance is something you may want to consider.

When looking for pet car insurance, keep in mind that coverage and cost varies from company to company.

Some build it into the overall price, such as Progressive. They offer up to $1,000 in vet bill reimbursement according to, and that includes injuries caused during theft or on recreational vehicles like boats.

Speaking of which, summer is a great time to remind yourself not to leave your pets in a car, as vehicles heat up fast and can lead to death. And you should also be wary of taking your pets onto the water, where they may be exposed to dangerous bacteria or strong currents.

Returning to pet car insurance, when you do your research, determine whether you need a separate policy, even if your insurance already offers some coverage. It may not be sufficient enough for your needs, and it may not even cover your species of pet.

And if you don't have, or decide not to purchase, pet car insurance, you should still submit your veterinary bills to your insurance company. Because, under the law, pets are technically property, you may be able to obtain a payout under ordinary rules.

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