Accident-Only Pet Insurance
Compare pet insurance policies covering accidents and injuries with Savvy today.
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Looking into pet insurance for your beloved furry friend? Whether you have a playful pup or a curious cat, you can compare pet insurance options from a range of providers and find the perfect coverage that suits your pet's unique needs and your budget.
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Accidents have a way of catching us off guard, and this is no different when it comes to our beloved pets. Whether it’s a sudden injury from a misstep or an unexpected encounter, accidents can happen at any time. As a responsible pet owner, it's crucial to be prepared for these unforeseen situations. This is where accident-only pet insurance steps in, offering a safety net that can provide financial relief when accidents occur.
If you are looking for accident-only cover for your pet, Savvy can help. Our online comparison tool enables you to compare quotes from trusted insurers side by side to help you find a plan that meets your needs. Get started with a free, no-obligation quote today!
What is accident-only pet insurance and what does it cover?
Accident-only pet insurance is a type of pet insurance designed to assist pet owners with unexpected veterinary costs arising from accidents and injuries. These accidents can encompass a wide range of incidents, including:
- Car accidents
- Ingesting foreign objects
- Poisoning
- Burns or electrocution
- Broken bones
- Cuts and lacerations
- Bite wounds or fight wound abscesses
- Snake bites
- Insect or spider bite allergy
- Eye, nail and mouth injuries
- Ligament injuries
Coverage typically includes:
- Emergency treatments: this encompasses immediate medical attention required following an accident, such as stabilisation, wound cleaning and pain management.
- Surgeries: if your pet requires surgical intervention due to an accident, the insurance can help cover the costs associated with procedures like fracture repair or wound suturing.
- Diagnostic procedures: X-rays, MRIs and other diagnostic tools necessary to identify and assess injuries are usually covered.
- Medications: the insurance often covers prescribed medications that are essential for post-accident recovery.
- Hospitalisation: if your pet needs to be hospitalised due to an accident, the expenses related to their stay and care could be covered.
There may also be additional benefits on your accident and illness plan, such as:
- Emergency boarding
- Essential euthanasia
- Advertising and reward
What isn’t covered by accident-only pet insurance?
While accident-only pet insurance is valuable for addressing accidents, it essential to recognise its limitations. This type of insurance typically does not cover:
- Illnesses: accident-only coverage excludes costs associated with illnesses and diseases.
- Pre-existing conditions: any injuries or conditions that existed prior to purchasing the insurance are not covered.
- Routine care: vaccinations, check-ups and routine procedures are generally excluded from accident-only coverage.
- Dental illness: procedures and treatments for dental illness are usually not covered.
- Hereditary and congenital conditions: inherited or congenital conditions are usually not covered by accident-only policies.
- Breeding and pregnancy: conditions related to breeding, pregnancy and birth will be excluded.
Is accident-only pet insurance right for me?
Deciding whether accident-only pet insurance is suitable for you and your pet requires careful consideration. Here are a few factors to keep in mind:
- Your pet’s lifestyle: if your pet is active and engages in outdoor activities, they might be at a higher risk of accidents, making accident-only coverage a prudent choice.
- Budget: accident-only coverage tends to be more affordable than comprehensive policies, making it a viable option for pet owners seeking financial protection without extensive costs.
- Health history: if your pet has a clean bill of health and you're primarily concerned about accidents, accident-only coverage might align well with their needs.
If you require more extensive coverage and have a bigger budget, you may want to consider accident and illness or comprehensive pet insurance, which provide a broader range of protection, including coverage for illnesses and more.
Types of pet insurance you can choose from
This is the most basic type of pet insurance, covering costs for accidental injuries such as car accidents, poisoning, burns, fractures, snake and spider bites, but not illnesses and other conditions.
This type of insurance provides cover for accidental injuries as well as illnesses like cancer, gastrointestinal problems and eye, ear and skin conditions, but not routine care for your pet.
This offers the highest level of protection, covering accident and illness and potentially routine care such as vaccinations, dental care, worm and flea treatments and microchipping.
Why compare pet insurance with Savvy?
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Our comparison service is free to use, providing you with a range of pet insurance quotes at no cost.
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You'll be able to compare offers online side by side in a matter of minutes before you buy.
Choice of insurers
We’ve partnered with a range of pet insurers to give you more choice when selecting a policy.
