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