 I want to hear from you. If you call in and we get to talk, I will send you a great gift for your dog or cat. So what was your experience with pet insurance companies? Was it good or was it bad? You know, a lot of people don't understand that there are different types of pet insurance. Three basic types. There's what they call accident-only plans, which means that your dog or cat is covered if, heaven forbid, there's an accident. Then there's accident and illness plans. Accident and illness plans are the most comprehensive pet insurance covering injuries and illnesses. This type of plan is the most popular plan.