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Protect your little friend from accidents

Accident only pet insurance will keep your pet safe if they suffer any accidents. You’ll be able to immediately take it to a vet and have it seen to without worrying about the vet bill.

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Top Rated Providers

We compare product ratings and reviews from the most trusted providers of pet insurance in the UK. 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.

  • 1st
    Review Score
    8.8/10

    Based on 34,956 reviews

    Defaqto Rating
    Maximum Vet Fees
    £2.5k
    per accident
    Excess
    £99
    dog | cat
    Get a Quote Read more
  • 2nd
    Review Score
    8.7/10

    Based on 4,050 reviews

    Defaqto Rating
    Maximum Vet Fees
    £2.5k
    per condition
    Excess
    £100
    dog | cat
    Get a Quote Read more
  • 3rd
    Review Score
    8.6/10

    Based on 4,242 reviews

    Defaqto Rating
    Maximum Vet Fees
    £1k
    per accident
    Excess
    £99
    dog | cat
    Get a Quote Read more
  • 4th
    Review Score
    8.6/10

    Based on 1,648 reviews

    Defaqto Rating
    Maximum Vet Fees
    £2k
    per accident
    Excess
    £109
    dog | cat
    Get a Quote Read more
  • 5th
    Review Score
    8.0/10

    Based on 5,603 reviews

    Defaqto Rating
    Maximum Vet Fees
    £1k
    per accident
    Excess
    £90
    dog | cat
    Get a Quote Read more
  • 6th
    Review Score
    7.6/10

    Based on 15,274 reviews

    Defaqto Rating
    Maximum Vet Fees
    £2.5k
    per accident
    Excess
    £100
    dog | cat
    Get a Quote Read more
  • 7th
    Review Score
    6.9/10

    Based on 662 reviews

    Defaqto Rating
    Maximum Vet Fees
    £2.25k
    per accident
    Excess
    £75
    dog | cat
    Get a Quote Read more
  • 8th
    Review Score
    6.1/10

    Based on 272 reviews

    Defaqto Rating
    Maximum Vet Fees
    £12,000
    per policy year
    Excess
    £100
    dog | cat
    Get a Quote Read more
  • 9th
    Review Score
    5.6/10

    Based on 207 reviews

    Defaqto Rating
    Maximum Vet Fees
    £3k
    per accident
    Excess
    £120
    dog | cat
    Get a Quote Read more

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.

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Paws and reflect: Discover the ideal pet insurance coverage today!

We aggregate reviews from 10,000s of real customers to offer transparency and choice on one page – helping you make the best decisions for your pet. Why don’t you see what pet owners who have secured their pet insurance through Compare By Review have to say?

  • Fran Taylor
    Cover Purchased
    i Reviewed without invitation
    Reviewed the Claims experience on 13 Jun 2024

    Claim

    We tragically lost our 3 year old dog and although the RSPCA needed to verify extra details with our vet, they handled everything with sensitivity an…
    • Recieved a response within 3-4 days after their claim was submitted
    • Claim was success and paid out
    • Was neither happy or unhappy with their experience when they spoke to someone
  • Sue Tilt
    Cover Purchased
    i Reviewed without invitation
    Reviewed the Claims experience on 21 May 2024

    Do Not Use

    We had insured our dog for 8 years and in that time only had one small claim, unfortunately we had to say goodbye to our beloved dog and made a claim…
    • Recieved a response over 5 days after their claim was submitted
    • Claim wasn't successful
    • Was neither happy or unhappy with their experience when they spoke to someone
  • Bronwyn
    Cover Purchased
    i Reviewed without invitation
    Reviewed the Service experience on 24 Apr 2024

    Awful Insurance Comapny

    Time to name and shame... I can’t even put down all of the words to describe this company (useless, thieving, incompetent, unapologetic, stressful), …
    • Recieved a response over 5 days after their service query was submitted
    • Was neither happy or unhappy with their experience when they spoke to someone
  • Susan
    Cover Purchased
    i Reviewed without invitation
    Reviewed the Claims experience on 2 Apr 2024

    Claim Refused

    Avoid Tesco pet insurance they want your money but refused to pay on premium policy for mild tartar which resulted 18 months later. They took over 3 …
    • Recieved a response over 5 days after their claim was submitted
    • Claim wasn't successful
    • Was neither happy or unhappy with their experience when they spoke to someone
  • Deni
    Cover Purchased
    i Reviewed without invitation
    Reviewed the Claims experience on 28 Mar 2024

    The Best Insurace Company For Your Pet

    Absolutely fantastic support. Our dog suffered with skeletal system all his life. All medications, X rays, MRI, hydrotherapy has been covered by ins…
    • Recieved a response within 1-2 days after their claim was submitted
    • Claim was success and paid out
    • Was neither happy or unhappy with their experience when they spoke to someone
  • Chris
    Cover Purchased
    i Reviewed without invitation
    Reviewed the Claims experience on 25 Mar 2024

    Frustrating Experience With Rspca Pet Insurance - Delayed Claim Resolution

    I have been a policyholder with RSPCA Pet Insurance for a while, relying on their services to safeguard the health and well-being of my beloved dog, …
    • Recieved a response over 5 days after their claim was submitted
    • Claim is still unresolved
    • Was neither happy or unhappy with their experience when they spoke to someone
  • Keith Blackburn
    Cover Purchased
    i Reviewed without invitation
    Reviewed the Claims experience on 7 Mar 2024

    Disgraceful Company

    Our dog got skin cancer. Luckily the vet was able to perform surgery and he is now fully recovered. We put the claim in and Perfectpet (what a joke o…
    • Recieved a response over 5 days after their claim was submitted
    • Claim wasn't successful
    • Was neither happy or unhappy with their experience when they spoke to someone
  • Anyone
    Cover Purchased
    i Reviewed without invitation
    Reviewed the Claims experience on 28 Feb 2024

    Disgraceful

    DONT USE absolute disgrace don’t pay out for life saving operation after paying into the policy for nearly 5 years….
    • Recieved a response over 5 days after their claim was submitted
    • Claim wasn't successful
    • Was neither happy or unhappy with their experience when they spoke to someone
  • Julia Juhasziova
    Cover Purchased
    i Reviewed without invitation
    Reviewed the Claims experience on 17 Feb 2024

    Great Customer Service, Quick Response.

    My dog had a surgery last year in November. I had submitted a claim, filled out forms sent by the insurance company. The payout was hassle free and q…
    • Recieved a response over 5 days after their claim was submitted
    • Claim was success and paid out
    • Was neither happy or unhappy with their experience when they spoke to someone
  • Arthur Boards
    Cover Purchased
    i Reviewed without invitation
    Reviewed the Claims experience on 8 Feb 2024

    Pointless Cover

    Had policy since 2015, THEY cancelled it in 2019 when the bank failed to move my direct debit over, as soon as I realised (the same month it was canc…
    • Recieved a response over 5 days after their claim was submitted
    • Claim wasn't successful
    • Was neither happy or unhappy with their experience when they spoke to someone
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How it works

As an FCA-regulated business, Compare By Reviews is best-placed to get you the best accident-only pet insurance on the market. With our comparison tables, you can secure the best deal for you and your four-legged friend!

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    Use our Review Scores to identify top pet insurance providers.

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Read the reviews before deciding

85% of consumers read reviews before purchasing insurance. While price is often the most visible point of difference between insurance policies, it’s important to read reviews and find out how well these services are actually delivered when needed. You don’t want to find out at the wrong moment that your policy doesn’t cover an illness you need covered, which is why you need to read the reviews.

When it comes to your precious pets, don’t compromise and make sure you pick the right policy.

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In this Guide

  • What are the pros and cons of accident only pet insurance?
  • How does accident only pet insurance work?
  • Is accident only pet insurance right for me?
  • What other types of pet insurance can I get?
  • Compare pet insurance providers

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 coverage 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 accident only pet insurance providers today

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.

Accident Only Pet Insurance Guides

Check out our insurance guides for more information