Pets can get into all sorts of trouble on their daily adventures, and the odd bump or injury is always a possibility. Accident Only cover can help to cover the cost of vet’s bills for treating injuries, so you can be confident your pet is protected.

As long as the insurance policy remains in force there's no time limit on a claim. Once the financial limit has been reached, any ongoing treatment that’s required will be excluded from future claims and treated as a pre-existing condition.

What is Accident Only Pet Insurance?

Accident Only pet insurance explained – this policy covers the cost of any treatment or medical expenses that may arise if your pet is involved in an accident. It’s one of the most basic types of pet insurance and also one of the cheapest policies you could get.

However, do keep in mind that Accident Only pet insurance cover does not provide cover for any illness your pet develops, or any vet fees that come about due to illness, disease,  or routine care. A policy excess will also be payable by .

Advantages of Accident Only Cover

As with any insurance policy, pet insurance for accidents only comes with its pros and cons. The advantages of having Accident Only pet insurance includes:

• It’s usually the cheapest type of pet insurance.
• It’s a good and cheap option for pets who are young and healthy
• You can claim up to the amount that is stated on your policy so you will have an idea of what part of the cost is covered beforehand

Disadvantages of Accident Only Cover

Accident Only pet cover does have a few disadvantages, which may be:

• It provides very limited cover.
• There is a limit on how much you can claim – the rest will come out of your pocket
• Policies usually last around 12 months so any ongoing treatment and expenses will not be covered after this

Am I insured if my dog causes an accident?

In these cases, it’s usually the owner who is held responsible for any accidents their dog may cause, however you may be able get some kind of cover that will cover the cost of any legal fees.

Does Accident Only pet cover include car accidents?

Injuries sustained by your pet as a result of a car accident, such as your dog being hit by a car, may be covered in an Accident Only policy, but each provider is different so you’ll need to check your policy documents to make sure you’re protected.

A quick ‘paws’ for thought…

With pet insurance, as part of the cost, your premium will increase each year at renewal as your pet gets older. We’ll limit the amount it goes up by, but your renewal price will also be impacted by:

• Any claims you make – this could significantly increase your premium
• Rising vet fees
• Insurance Premium Tax increasing
• Changes you make to your policy
• Changes we make to our pricing

You can, of course, shop around at renewal. Just bear in mind that any existing conditions your pet’s developed, whether diagnosed or not, may not be covered elsewhere.