"If I hadn't had my seatbelt on I wouldn't be here," Kyle said.
Her 12-year-old black labrador, Jack, was in the car and was flung out the back window, badly breaking his leg.
Cars stopped to help Kyle while police, ambulance, tow truck and a vet attended the scene.
The owner of the property gave her water and comforted the dog while she talked to the emergency services.
She signed a St John Ambulance "refusal to be transported" form as she wanted to stay with Jack while they were driven back to Whanganui by the vet and vet nurse.
Kyle was later found to have no broken bones but is sore from internal bruising or swelling.
She is adamant the accident will not stop her flying to India next month, to accept the Philip Wollen Animal Welfare Award on March 22.
Jack's surgery will involve getting a plate to hold his bones together, rather than wearing a cast.
"He's only got one or two years left, but I want the best possible quality of life for him," Kyle said.
The operation will cost $3000 - and is already virtually paid for through a Givealittle page set up by her friend and fellow animal helper Fiona Grieves.
Kyle said she had been overwhelmed by offers of help.
"I have been surrounded by understanding and love and I feel quite humbled by it," she said.