Accident-only pet insurance

Is your young, furry companion fit as a fiddle? Compare accident-only pet insurance for simple and affordable cover.

As the owner of a young and healthy pet, you may wish to avoid high pet insurance premiums, especially if there is very little risk of your companion developing an illness any time soon. But what about accidents that nobody can plan for? Read our guide to find out how accident-only pet insurance works and the pros and cons of getting it.

Compare accident-only pet insurance

Updated May 23rd, 2019
Name Product Maximum vet fees Offer Details
Direct Line
Direct Line
Get 12 months pet insurance for the price of 9 when you buy online
Introductory online discount applied over first 12 months. Discounts applied consecutively. Underwritten by U K Insurance Limited
45% introductory discount, 10% multi pet discount is a trading name of The Equine and Livestock Insurance Company Limited
10% multi-pet discount
Scratch and Patch pet insurance is underwritten by HDI Global Specialty SE.
25% discount for purchasing a policy online for new customers
The cover for an accident stops whenever the vet fees limit or time period (12 months) is reached.

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What does accident-only pet insurance cover?

As the name indicates, accident-only pet insurance typically only covers pet injuries caused by an accident that has occurred during the policy term. As it’s one of the cheapest policies available, this policy type tends to also have a limit on the amount that goes towards treatment carried out after an accident.

Some policies may include cover if emergency treatment is required when your pet is ill, but not all insurers will offer this. Some may also include cover if your pet is responsible for injuring someone else, but this can vary with insurers.

What is not covered by accident-only pet insurance?

Exclusions will vary between pet insurers, but an accident-only pet insurance policy generally won’t cover the following:

  • Illnesses or conditions that your pet may develop not relating to any accident
  • Pre-existing conditions diagnosed before your accident-only pet insurance policy started
  • Any injuries or conditions due to an accident that happened before the pet insurance policy started
  • Cosmetic treatment
  • Routine dental or gum treatment
  • Treatment for behavioural issues
  • Regular checkups or vaccinations

Looking for different cover?

Accident-only pet insurance is only one type of pet insurance. If you’d like a little more cover for your pet, there are three other types of pet insurance available. These include the following:

Lifetime pet insurance. This offers the most comprehensive cover for your pet throughout its lifetime, but usually comes at a high price. You will usually need to renew your policy each year.

Time-limited pet insurance. This offers basic cover for eligible short-term health conditions or accidents within a certain period of time. After the period has ended, the policy will need to be renewed. But if you made a claim for a particular condition during the previous policy period, that same condition would then be excluded from the new policy.

Maximum-benefit pet insurance. This offers cover for conditions and accidents up to a certain amount. Once that limit has been reached, the insurer won’t pay out any more and it’s the pet owner’s responsibility to cover any bills.

Pros and cons of accident-only pet insurance


  • It is basic in nature but fairly cheap in premiums
  • It is most suited to young and healthy pets


  • It will typically only cover your pet if they are involved in an accident
  • A policy term is usually 12 months, so if treatment for an accident continues into the next year, chances are, you might not be covered
  • It is unlikely to suit older pets with growing health concerns

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Frequently asked questions

*Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don’t answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.

The offers compared on this page are chosen from a range of products Finder has access to track details from and are not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms ‘Best’, ‘Top’, ‘Cheap’ including variations, are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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