Accident only pet insurance


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What is accident only pet insurance?

As you might expect, accident only pet insurance covers the cost of treatment for your pet if it’s been involved in an accident. But it doesn’t give you cover if your pet develops an illness.

Fixing your dog’s broken leg could cost £4,000-£6,000 depending on where you live. So unless you want to have to pay for that yourself, an accident only policy could be a solution.

Frequently asked questions

How much does accident only pet insurance cost?

Accident only policies are typically the least expensive of all types of pet insurance.

  • if you’re a cat owner who wants accident only cover, we’ve found 50% of customers could pay up to £2.91 a month*
  • if you’re a dog owner who wants accident only cover, we’ve found 50% of customers could pay up to £3.01 a month**
*50% of customers could achieve a premium of up to £2.91 a month for cat accident only insurance based on comparethemarket.com data in May 2018.
**50% of customers could achieve a premium of up to £3.01 a month for dog accident only insurance based on comparethemarket.com data in May 2018.

What are the benefits of accident only cover?

As well as being relatively inexpensive, accident only cover can be a good choice for younger dogs and cats who are unlikely to have health conditions. 

What are the disadvantages of accident only cover?

It only covers accidents – so won’t compensate you for the cost of treatment if your pet develops an illness. And it’s worth bearing in mind that 70% of pet insurance claims over a two-year period were for illness, according to a Which? survey.

  • Most accident only policies will have a cap on the amount you can claim for each accident – and then it’s up to you.

  • Accident only pet insurance policies tend to last for 12 months, so they probably won’t cover ongoing treatment that lasts beyond that period.

What are the other types of pet insurance?

As well as accident only, you have three other pet insurance options:

  • Time limited pet insurance – this will pay vet fees for a year, then you'll have to pay.

  • Lifetime pet insurance – covers you for vet fees for the whole of your pet's life

  • Maximum benefit pet insurance – protects you from illnesses and accidents up to a maximum amount per condition

Comparing accident only pet insurance

Get a quote in minutes when you compare with us. Just tell us a little about you and your pet and we’ll find accident only quotes that meet your specific needs. Your pet insurance quote will then be saved if you want to make changes or come back to it later.

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