Most pet insurance covers accidental poisonings, including mushroom toxicity, but it’s important to check your individual policy for coverage details. Typically, accident and illness plans and accident-only plans cover poisonings, not wellness plans. Some may even cover the consultation fee for pet poison control. Most pet insurance covers accidental poisonings, including mushroom toxicity, but it’s important to check your individual policy for coverage details. Typically, accident and illness plans and accident-only plans cover poisonings, not wellness plans. Some may even cover the consultation fee for pet poison control.