Pets, particularly when they’re young, are fearless explorers and while 95% of the time this is why we love them, in rare occasions it can lead to accidents. If that does happen, accident only pet insurance is there to help protect them.
Contents of this guide
Accident only cover is the cheapest but also the least comprehensive available. As the name suggests accident only covers your pet from treatment resulting from accidents they may have, such as road traffic incidents.
These policies won’t cover your pet against treatment for illnesses, so if your pet has conditions like diabetes or hip dysplasia then you won’t be covered for that and would need to fund the treatment yourself.
Accident only pet insurance are 12 month policies and will have a cover limit for treatment per injury. Because of the limitations of this policy type there are fewer providers offering this.
Vet fees arising from accidents is the key benefit of accident only cover and it pays up to 12 months from first date of treatment. Cover limits apply per accident.
Once the cover limit is reached per injury then you can no longer claim, but you will be able to claim for any new accidents that occur.
With some pet insurers there are inner limits meaning depending upon what you claim for there may be lower limits that apply. Insurers do this to limit their claims costs. Typical inner limits tend to be placed on:
In the sad event that your pet passes away then there are elements of cover to cater for this eventuality. The coverage tends to be split into 3 categories:
For accident only policies you’ll only be covered in the event that the pet dies from an accident.
It is also worth understanding that the death of pet (often known as farewell cover) is not covered once the pet reaches a senior age, this is generally accepted at over 8 years old for dogs, and 10 years for cats. Some providers offer farewell cover as an optional bolt on and the coverage is dependent upon the age of your pet and the cost of the pet when you purchased them.
If you pet goes missing, strays or is stolen this section of the cover offers support in advertising costs and rewards if the pet is found. The ability to claim under this section of the policy is dependent upon you reporting your pet is lost to the police and informing your insurer as soon as possible. Typically the insurer will consider paying out after 30 days of the pet being missing. You might find that as your pet gets older – and is classed as senior – then this element of cover is removed.
Explore lost and found cover in more details.
Third party liability applies only to dogs and provide cover in the event that your dog damages someone else’s property or causes someone to be injured or even killed.
If this occurs and a court case ensues from there, costs can escalate into hundreds of thousands of pounds. Most policies offer cover into the millions of pounds so generally speaking there’s enough protection there in the rare event of this happening.
Explore more about third party liability.
The main advantage of accident only pet insurance is the price. It is the cheapest cover on offer so if you need some protection on a tight budget then this could be a good option.
The key drawback is that the policy will only cover accidents, not illnesses. As such you might find yourself needing to cover treatment costs yourself if your pet develops an illnesses which needs a vet to look at.
Being the cheapest cover available prices will be much lower than all other cover types.
Due to the limited protection that accident only pet insurance offers and the restrictions on what you can claim, there’s only so much that you can do to affect the price. The main factors that affect the price are:
At renewal these factors will be re-assessed alongside any claims you may have made through the policy year. At renewal, claims will be the single biggest factor determining your renewal quote.
Each provider will have their own lists of exclusions so to be completely sure you should check the policy wording which will be publicly available on their websites prior to purchasing.
The most common exclusions, apart from the obvious exclusion of illness and disease claims, are:
There’s no opportunity to downgrade from accident only cover, that’s the lowest level of cover on offer, so the main alternative will be to self insure. This means setting a savings pot set aside yourself for use if your pet needs treatment.
In some cases there are charities like Blue Cross that you might find can help if you are struggling to cover the costs of vet fee treatment.
Is there an age limit to accident only cover?
Not usually, some providers will not offer cover for pets over a certain age, but most will. The definition of senior pets will be different for different providers, with cats it is usually 10 years old and for dogs it is 8 years.
It’s worth remembering that the older your pet, the more expensive the cover will be. Pets normally need to be around 6 weeks old at the start of the policy. This changes depending upon your provider.
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