- By: David J. Zappitell
- Zappitell law firms
- Dec 14
- Comments (0)
Pet Injury Insurance Explained
Millions of Americans travel with their pets, whether for daily errands or long road trips. According to a September 2024 article by the World Animal Foundation, between 84 to 89 million dogs and 60 to 62 million cats are owned as pets in the U.S. With so many animals riding in vehicles, what happens if your pet is injured in a car wreck?
Who pays for their medical treatment? While some car insurance policies provide coverage for pets, not all do. Understanding pet injury insurance can help you prepare for the unexpected.
At the Zappitell Law Firm, located in Delray Beach’s Pineapple Grove Arts District, we help accident victims—including pet owners—recover compensation for injuries and damages. Whether you’re in Boca Raton, Boynton Beach, or anywhere else throughout Palm Beach County, we offer experienced legal representation to protect you and your precious cargo.
Does Car Insurance Cover Pet Injuries?
Standard car insurance policies typically don’t cover pet injuries unless you have specific provisions in your policy. However, some comprehensive and collision coverage plans may include pet injury insurance.
- Progressive and Nationwide offer pet injury coverage, which helps pay for veterinary bills if your dog or cat is hurt in an accident.
- GEICO and State Farm may provide coverage if your pet is listed under your policy or included in a specific endorsement.
- Pet health insurance (such as ASPCA, Trupanion, or Healthy Paws) may cover accident-related injuries, but it depends on your plan.
If you are unsure whether your car insurance or pet insurance covers accidents, review your policy or speak with your provider.
What to Do if Your Pet is Injured in a Car Accident
If your pet is injured in a crash, your priority should be safety and medical care. Here’s what you should do:
- Check for injuries. If your pet is unconscious or bleeding, avoid moving them unless necessary.
- Get to a vet. Emergency animal hospitals, such as Big Dog Ranch Rescue Veterinary Center, can provide urgent care.
- Document the accident. Take photos of the scene, your pet’s injuries, and any damages.
- Contact your insurance company. If you have pet injury insurance, file a claim as soon as possible.
- Consult a Delray Beach accident law firm. If another driver caused the accident, a lawyer can help you pursue compensation for medical costs and damages.
| “Many pet owners are surprised to learn their car insurance doesn’t cover pet injuries. Understanding your options before an accident happens is the best way to protect yourself and your pet.” |
| – David J. Zappitell, founder of the Zappitell Law Firm |
The Financial Impact of Pet Injuries in Car Accidents
Vet bills for accident-related injuries can be expensive. If your pet is injured, here’s what treatment might cost:
- X-rays and diagnostics: $200 – $500
- Emergency surgery: $2,000 – $5,000
- Hospitalization and medication: $500 – $3,000
- Physical therapy and rehabilitation: $50 – $100 per session
If the at-fault driver doesn’t have insurance, you may have to pay out-of-pocket. This is why carrying pet injury insurance or ensuring your policy includes coverage is important.
Pet Injury Risks in Delray Beach
High-traffic areas like Atlantic Avenue and US1 see frequent accidents. If you travel with your pet, consider these risk factors:
- Sudden stops and crashes on congested roads can throw a pet against the dashboard or windshield.
- Open windows or unsecured pets increase the chance of ejection in an accident.
- Heat exposure in a disabled vehicle can quickly become dangerous for animals.
Using pet seat belts, carriers, or crash-tested harnesses can reduce the risk of injury.
Can You Get Compensation for a Pet Injured in an Accident?
Pets are considered property under Florida law, meaning you may be eligible for compensation if another driver caused the crash. A Delray Beach accident lawyer can help you seek damages for:
- Veterinary bills
- Pet rehabilitation costs
- Pain and suffering (for severe cases)
If your insurance doesn’t cover pet injuries, a lawyer can help you pursue a claim against the at-fault driver.
| “Many insurance companies will try to minimize payouts for pet injuries. Having legal representation ensures that pet owners get the compensation they deserve.” |
| – David J. Zappitell, founder of the Zappitell Law Firm |
Why Choose Zappitell Law Firm?
At the Zappitell Law Firm, we help accident victims in Delray Beach and across South Florida recover the compensation they need. Whether it’s a car accident on Linton Boulevard or a collision on Jog Road, we fight for pet owners and their legal rights.
Our firm provides:
- Personalized legal representation tailored to your case.
- Experienced accident attorneys who understand Florida law.
- Aggressive negotiation with insurance companies to secure fair compensation.
If your pet is injured in a car accident, don’t let an insurance company dismiss your claim. Contact us now to discuss your legal options.
Call Us Today
A car accident can be devastating, especially if your pet is injured. Understanding pet injury insurance and knowing your legal rights can make all the difference.
Contact the Zappitell Law Firm to speak with a Delray Beach accident lawyer who can help you get the compensation you deserve. Whether you need help filing an insurance claim or pursuing legal action, we’re here to support you.
Click here or give our team a call at (561) 330-6330 for a FREE consultation.