Accident Only Pet Insurance

What is Accident Only Pet Insurance?

Accident only pet insurance is the most basic form of pet insurance available. As the name suggests, it only covers injuries and emergencies resulting from accidents, not illnesses or ongoing health conditions.

What's Covered?

• Injuries from accidents
• Emergency surgery due to accidents
• X-rays and scans related to accidents
• Medication for accident-related injuries

What's Not Covered?

• Any illness or disease
• Pre-existing conditions
• Routine check-ups and vaccinations
• Dental work (unless caused by an accident)

Benefits of Accident Only Cover

• Lower premiums compared to comprehensive policies
• Simple and straightforward coverage
• Good for young, healthy pets
• Often no upper age limits

Is Accident Only Insurance Right for Your Pet?

Accident only insurance might be suitable if:

• You're on a tight budget
• Your pet is young and healthy
• You can self-fund routine care and illness treatment
• You want basic protection against unexpected accidents

Cost Considerations

While accident only policies are typically the cheapest option available, it's important to consider:

• The cost of treating illnesses would not be covered
• You may need to pay for routine care separately
• Some policies have lower claim limits than comprehensive cover

Making a Claim

When making a claim on an accident only policy:

• Report the accident as soon as possible
• Provide evidence that the injury was caused by an accident
• Submit all relevant veterinary records
• Keep all receipts and documentation