logo Leave a Review

Compare accident only pet insurance providers

Our comparison table is ordered by review score. The review score is the average weighted score based on product quality and user reviews from the last 12 months. Find out more about how our review score is calculated here.

1st

Review Score

9.4

based on 25,208 reviews

Dog Quote*

£4.48

per month

Cat Quote**

£3.01

per month

Maximum Vet Fees

£2.5k

per accident

Excess

£99

dog | cat
Your vet can make a pet insurance claim online on your behalf. All policyholders also get free 24/7 vet video consultations.

2nd

Review Score

9.3

based on 532 reviews

Dog Quote*

£10.21

per month

Cat Quote**

£3.95

per month

Maximum Vet Fees

£2.25k

per accident

Excess

£75

dog | cat
Scratch & Patch have a 24/7 careline available for all policyholders. There's no co-insurance payment on any of their plans.

3rd

Review Score

9.0

based on 560 reviews

Dog Quote*

£10.49

per month

Cat Quote**

£9.20

per month

Maximum Vet Fees

£2k

per accident

Excess

£109

dog | cat
Three levels of pet insurance cover to choose from. You can claim against an unlimited number of unrelated conditions per year.

4th

Review Score

8.8

based on 12,591 reviews

Dog Quote*

£4.86

per month

Cat Quote**

£5.24

per month

Maximum Vet Fees

£2.5k

per accident

Excess

£100

dog | cat
New customers get 25% when they buy online and can also benefit from a 10% multi-pet discount.

5th

Review Score

8.6

based on 182 reviews

Dog Quote*

£7.28

per month

Cat Quote**

£5.60

per month

Maximum Vet Fees

£2.5k

per condition

Excess

£100

dog | cat
They have four levels of cover to choose from and 15% of the price of every policy sold goes to the RSPCA charity.

6th

Review Score

8.4

based on 2,355 reviews

Dog Quote*

£11.66

per month

Cat Quote**

£8.81

per month

Maximum Vet Fees

£1k

per accident

Excess

£90

dog | cat
Perfect Pet Insurance offers a Public Liability only policy for dog owners and a 10% multi-pet discount.

7th

Review Score

8.3

based on 1,334 reviews

Dog Quote*

£10.37

per month

Cat Quote**

£6.84

per month

Maximum Vet Fees

£1k

per accident

Excess

£99

dog | cat
Healthy Pets offers a 20% discount when you buy online. Claims can be made online and they can pay the vet directly.

8th

Review Score

8.1

based on 101 reviews

Dog Quote*

£45.05

per month

Cat Quote**

£34.17

per month

Maximum Vet Fees

£12,000

per policy year

Excess

£100

dog | cat
Get 20% off your first year of cover and pay monthly at no extra cost. 

9th

Review Score

6.0

based on 207 reviews

Dog Quote*

£5.88

per month

Cat Quote**

£3.45

per month

Maximum Vet Fees

£3k

per accident

Excess

£120

dog | cat
New customers get 20% off policies. They also offer a 24/7 vetfone helpline provided by VetsDirect for all policyholders.

*The quote received provides accident only cover for a four year old Labrador who has been spayed and chipped, cost £1000 and lives at a CM postcode.

**The quote received provides accident only cover for a three year old Bengal who has been spayed and chipped, cost £600 and lives at a CM postcode.

What are the pros and cons of accident only pet insurance?

Pros

  • Premiums are less expensive than other pet insurance policies
  • Good choice for young pets who are unlikely to have health conditions
  •  
 

Cons

  • Only covers your pet for accidents
  • There’s likely to be a cap on how much you can claim for each accident
  • Most policies tend to last 12 months so ongoing treatment won’t be covered

How does accident only pet insurance work?

Accident only pet insurance pays out a fixed sum towards each accident your pet suffers from. Some policies also cover illnesses that are caused as a result of the accident too but this isn’t very common. You should read your policy details thoroughly to see what your pet accident insurance covers. As with all pet insurance policies, there’s typically a cap and time limit on the cover. If you want your pet to receive cover continuously, you need to keep your monthly payments up to date and renew your accident only dog insurance or cat insurance at the end of each policy term.

 
Is accident only pet insurance right for me?

You might think that an accident only policy is appealing because it’s the cheapest pet insurance available. But it’s important that you understand that accident only policies offer no cover or very limited cover for illnesses. Illnesses can tend to cost more in the long run, particularly if you have a pedigree cat or dog that is known to suffer from hereditary diseases. If you take out an accident only pet insurance whilst your pet is young and they develop a lifelong condition such as arthritis, you will be unable to claim for this condition for as long as your pet needs treatment for it. Basic treatment for arthritis can cost around £5,475 a year. You won’t be able to claim any of these costs back if you have an accident only policy. Even if you want to change insurer or change policy type in the future, you would have to declare the condition as pre-existing and cover for that particular condition would be excluded. It’s really important to bear this in mind if you’re considering an accident only policy because your pet could end up becoming a financial burden in the future if you opt for a cheaper, less comprehensive policy when they’re young.

 

What other types of pet insurance can I get?

There are three other types of pet insurance policies available: 

 

Compare pet insurance providers

Compare pet insurance providers on Compare by Review today. We’re the first and only comparison site that ranks pet insurers exclusively on customer experience and product quality rather than price. Our full table of pet insurance providers gives you an impartial and unbiased overview so, whether you’re after accident only dog insurance or accident only cat insurance you can purchase a policy from a high-quality provider that you can rely on when you need them most.

Pet Insurance Guides