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Accident only pet insurance explained
As the name suggests, accident only pet insurance policies cover the cost of treatment if your pet is involved in an accident. It’s typically the cheapest type of pet insurance policy you can get as it offers the least extensive cover. Some providers may offer accident and illness pet insurance to cover your pet if they become ill as a result of an accident, but most don’t cover illnesses at all.
Top Rated 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.
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1st
Review Score9.7/10Based on 2,280 reviews
Maximum Vet Fees£1kper accidentRead more Get a quoteExcess£99dog | cat -
2nd
Review Score9.4/10
Based on 1,345 reviews
Maximum Vet Fees£2kper accidentRead more Get a quoteExcess£109dog | cat -
3rd
Review Score9.2/10
Based on 575 reviews
Maximum Vet Fees£2.25kper accidentRead more Get a quoteExcess£75dog | cat -
4th
Review Score9.1/10
Based on 29,302 reviews
Maximum Vet Fees£2.5kper accidentRead more Get a quoteExcess£99dog | cat -
5th
Review Score8.8/10
Based on 3,506 reviews
Maximum Vet Fees£1kper accidentRead more Get a quoteExcess£90dog | cat -
6th
Review Score8.8/10
Based on 96 reviews
Maximum Vet Fees£2.5kper conditionRead more Get a quoteExcess£100dog | cat -
7th
Review Score8.6/10
Based on 13,601 reviews
Maximum Vet Fees£2.5kper accidentRead more Get a quoteExcess£100dog | cat -
8th
Review Score8.2/10
Based on 203 reviews
Maximum Vet Fees£12,000per policy yearRead more Get a quoteExcess£100dog | cat -
9th
Review Score6.2/10
Based on 207 reviews
Maximum Vet Fees£3kper accidentRead more Get a quoteExcess£120dog | cat
Most accident only pet insurance quotes are provided via Quotezone, who are FCA regulated.
Please note that some of the providers included within our table are not currently offering new policies.
In this Guide
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What are the pros and cons of accident only pet insurance?
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How does accident only pet insurance work?
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Is accident only pet insurance right for me?
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What other types of pet insurance can I get?
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What are the pros and cons of accident only pet insurance?
Pros:
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Premiums are less expensive than other pet insurance policies.
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Good choice for young pets who are unlikely to have health conditions.
Cons:
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Only covers your pet for accidents.
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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:
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Time limited pet insurance – covers vet fees for a year, once the year’s up, you’ll have to pay for further treatment.
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Lifetime pet insurance – covers vet fees for the whole of your pet’s life provided you renew the policy each year.
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Maximum benefit pet insurance – protects your pet from accidents and illnesses up to a maximum amount per condition.
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.
