Lifestyle Guides

Accident-only pet insurance

Accident-only pet insurance is the most basic cover you can buy for your pet to make sure they're protected


We all want to ensure our pets are as safe as possible, but accidents can still occur.

In the event that your pet gets into a scrape, how can you make sure they’re protected by your pet insurance policy?

Should I buy accident-only pet insurance?

With various types of pet insurance policies to choose from, accident-only does what it says on the tin. 

Often the most basic form of cover available from insurance providers, it is also usually the cheapest. It can be useful to consider this form of insurance if you want a budget-friendly option but still require the peace of mind that your pet will be covered if they get into an accident.

Policies usually run for 12 months, and will have different benefit limits depending on the insurance provider and the health of the pet.

What is excluded in accident-only pet insurance?


Where more extensive policies will include cover for vet treatment resulting from illnesses or third-party fees, accident-only policies will simply protect against any accidents that your pet encounters during the policy period. 

There are a number of exclusions which should be noted when taking out most accident-only policies. 

This form of insurance will usually exclude any illness that was not caused as a direct result of an accident. As well as this, you will often be unable to make a claim against any accident or injury that your pet had before your policy began. It is important that you are honest about these when getting a quote.  

Treatments which are generally excluded include anything cosmetic and any cost of treatment for behavioural problems, as well as the costs of cremation or disposal in the event that your pet passes away.

For a more comprehensive list of exclusions, make sure you read your insurance’s policy documents. 

Why do you need to buy pet insurance?

With medical treatment often amounting to a four-figure sum, regularly paying into an insurance policy will mean that you don’t have to pull together the money in the event that things don’t go to plan. 

Rebecca Hollingsworth, General Insurance Policy Adviser at the Association of British Insurers, said: “There is no NHS for pets, and the cost of getting quality veterinary treatment can quickly run into thousands of pounds, particularly with rising veterinary costs and a greater range of medical treatments for pets now available. Pet insurance gives you peace of mind that you won’t have to deny your pet life-saving treatment because the veterinary bills are too expensive.”

Remember that accident-only pet insurance does not protect your pet in the event they become ill.