Pet Insurance Definition of "Accident"

This is a comparison of the term "Accident" in pet insurance policies.

Animal Friends Insurance:

"Accident means a sudden, unforeseen, and unintended event causing Injury to Your Pet. An Accident must be a direct consequence of at least one of the following:

1. motor vehicle or boating incident;
2. burn or electrocution;
3. fall from an elevated position;
4. near drowning;
5. the actions of another animal;
6. swallowing a foreign object requiring surgical or endoscopic removal;
7. snake bite;
8. allergic reaction to an insect bite, other than tick and flea bites;
9. Drug, Alcohol and/or Plant poisoning;
or otherwise result in:
10. a fracture;
11. a puncture;
12. a broken bone;
13. a traumatic ligament or tendon Injury;
14. lacerations, abrasions or wounds."

Argos:

"A sudden and unexpected event which happens during the Period of Insurance: which results in bodily injury or death to Your Pet."

Aviva:

"A sudden or unforeseen incident resulting in Injury."

Homebase:

"Accident: Sudden and unexpected event which happens during the Period of Insurance which results in bodily injury or death to Your Dog."

PDSA:

"Sudden and unexpected event which happens during the Period of Insurance which results in bodily Injury or death to Your Pet."

Petpals Direct:

"A sudden and unexpected event brought about by an external influence which is not an illness but which results in an injury."