Accident Only Pet Insurance

What is accident only pet insurance?

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 cover if your pet becomes ill as a result of an accident but most don’t cover illnesses at all.

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


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


  • 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

What other types of pet insurance can I get?

There are three other types of pet insurance policies available: 

Dog wearing sunglasses

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 providers gives you an impartial and unbiased overview so you can purchase pet insurance from a high-quality provider that you can rely on when you need them most.