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Accident-only vs accident + illness vs wellness add-ons — how reimbursement, deductibles, and annual caps actually affect your out-of-pocket cost.
Side-by-side view of the most common coverage choices in this category.
| Feature | Accident-only Cheapest | Accident + Illness | + Wellness Most coverage |
|---|---|---|---|
| Broken bones / swallowed objects | |||
| Cancer, diabetes, allergies | |||
| Hereditary conditions | |||
| Annual checkups & vaccines | |||
| Typical reimbursement | 80% | 80% | 80% |
| Typical monthly cost (dog) | $15 | $45 | $70 |
Average premiums, real vet bill data, and the three scenarios where a policy clearly pays for itself — plus when self-insuring in a savings account is the better call.
Annual vs. per-condition deductibles, 70/80/90% reimbursement, benefit schedules, and annual caps — how the four dials interact to change what you actually get paid.