One type is accident and injury policies, which protect against any sort of acute or unexpected condition that your pet could encounter. The second is accident-only coverage, which — as the name implies — only covers eligible care expenses related to an unexpected pet injury. Sicknesses, diseases, and cancer are excluded. Lastly, you have pet wellness coverage, which helps pay for routine care, such as annual exams, vaccinations, dental cleanings, and even spay/neuter surgery.