Accident Only Pet Insurance

Hi, I'm Dr. Emma – Let's Talk About Accident Only Pet Insurance

As a practicing vet, I know how important it is for pet owners to find the right kind of cover without breaking the bank. Accident-only pet insurance is one of the simplest and most affordable options out there — but it's important to understand what it does (and doesn't) protect against.

What Does Accident Only Pet Insurance Cover?

As the name suggests, accident-only policies focus strictly on unexpected injuries. This means anything that happens suddenly and isn't related to a long-term health condition.

• Injuries from accidents: Think broken bones from a fall, or being hit by a car.
• Emergency surgery: If your pet needs urgent surgery after an accident, the costs may be covered.
• Diagnostic tests: Scans, X-rays, and other tests related to the accident are usually included.
• Medication: Prescription drugs related to healing from the injury may be covered too.

What's Not Covered?

This type of insurance doesn't offer the full spectrum of cover you might expect from a comprehensive plan.

• Illnesses: Conditions like diabetes, cancer, or skin infections aren't included.
• Pre-existing conditions: If your pet already has an injury or condition, it won't be covered.
• Routine care: Things like annual vaccinations, flea treatments, and check-ups are out-of-pocket.
• Dental care: Unless a broken tooth is caused by an accident, dental work isn't covered.

Who Might Benefit Most From This Cover?

In my experience, accident-only insurance can work well for:

• Pet owners on a budget: It's a great entry-level option for those who want basic protection.
• Owners of young, healthy pets: Puppies and kittens generally have fewer health issues early on.
• People who can afford vet costs for illnesses: If you can handle costs for things like infections or allergies yourself, this policy might be enough.
• Those wanting emergency coverage only: It's peace of mind if something unexpected and traumatic happens.

Typical Costs of Accident-Only Insurance

Let's take a look at what you might expect to pay each month in the UK:

Pet Type	Average Monthly Premium	Typical Annual Limit
Dog	£5 – £12	£1,000 – £3,000
Cat	£4 – £9	£1,000 – £2,500

Keep in mind that cheaper policies often come with lower annual limits and may not cover all types of treatment or tests. Always read the small print.

Claiming on an Accident-Only Policy

If your pet has had an accident and you need to claim, here's what to do:

• Report quickly: Most insurers ask that you report the accident within 24–48 hours.
• Document everything: Keep all receipts, vet reports, and any evidence of the accident (photos can help too).
• Ask your vet for help: We're used to helping with claim forms and can ensure all required details are accurate.

Weighing Up the Pros and Cons

• Pros: Affordable, simple, and ideal for young pets or those who spend time outdoors.
• Cons: No illness cover, and routine treatments aren't included.
• Risk: If your pet develops a condition like arthritis or epilepsy, you'll need to fund treatment yourself.