PurinaCare pet insurance started offering new plans in 36 states earlier this month. They are seeking approval in the other states as well.
They are now offering an Accident-Only policy at a very reasonable premium. Of course, it is preferable to get an Accident and Illness policy. But if your pet is older and has a chronic condition that would preclude him or her from getting covered for illnesses, then the accident policy would be available since there aren't any exclusions based on pre-existing conditions.
The only significant changes to the PurinaCare with or without Wellness coverage is the offering of a 30% and 40% copay in addition to their already 20% copay. While selecting a higher copay will lower your premium, remember that a higher copay, especially on a large claim, will significantly increase your out of pocket expense. For example:
$3000 claim: ($250 deductible x 20% copay) = $800 out of pocket
($250 deductilbe x 30% copay) = $1075 out of pocket
($250 deductible x 40% copay) = $1350 out of pocket
You can actually add the premium to these for a total out of pocket expense to see if the reduced premium with the higher copay is actually worth it. You can use different size claims to see the effects of the different deductible levels, etc.