Accident and Illness Pet Insurance
Compare pet insurance policies covering accidents and illnesses with Savvy today.
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Compare pet insurance
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.
Fetch Care Plan |
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Pet insurance we think you’ll love. 24/7 vet support + dental, physio and behaviour cover added (see PDS) all in one app.More details |
Petsy Most Popular 80% Cover $150 Excess |
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Protect your furry friend with Petsy's pet insurance policy. Get a free quote.More details |
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Fetch Premium Plan |
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Pet insurance we think you’ll love. 24/7 vet support + dental, physio and behaviour cover added (see PDS) all in one app.More details |
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Multi-award winning pet insurance designed with the help of vets.More details |
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Petsy Value Cover 80% Cover $500 Excess |
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Protect your furry friend with Petsy's pet insurance policy. Get a free quote.More details |
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Petsy Top Cover |
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Protect your furry friend with Petsy's pet insurance policy. Get a free quote.More details |
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Unforeseen events can affect our pets just like they do us. Accidents and illnesses can arise unexpectedly, and taking care of your pet’s health is a top priority. That's where accident and illness pet insurance comes in handy – it’s a solid protection plan that covers both accidents and a wide range of health issues. If you’re on the lookout for the right accident and illness pet insurance, Savvy is here to help.
Our easy-to-use online platform lets you compare policies from trustworthy insurers, providing you with a range of quotes to help you find a policy that suits your needs. Get started with a free, no-obligation quote today!
What is accident and illness pet insurance?
Accident and illness pet insurance offers coverage for both unexpected accidents and various illnesses that your pet might face. Going a step further than accident-only plans, this type of pet insurance provides financial protection against a broader range of medical expenses compared to accident-only insurance. This may include:
Accidents: injuries resulting from unexpected events, such as:
- Fractured bones
- Snake bites
- Burns or electric shocks
- Injuries to ligaments or tendons
- Insect and spider bites
- Animal bites
- Cuts, scratches and abrasions
- Accidents involving motor vehicles
Illnesses: coverage for a wide array of illnesses, including:
- Cancer
- Gastrointestinal issues
- Eye, skin and ear conditions
Treatments that fall under the cover may include:
- Diagnostic tests: tests such as blood work, X-rays, ultrasounds and other necessary procedures to determine your pet’s health condition.
- Prescribed medications: medications prescribed by a vet to treat your pet’s illness.
- Surgical procedures: surgery required as a result of an illness or accident your pet experiences.
- Hospitalisation: when your pet stays at the veterinary hospital for treatment.
There may also be additional benefits on your accident and illness plan, such as:
- Emergency boarding
- Essential euthanasia
- Advertising and reward
- Overseas travel insurance
- Vet home visits
What isn’t covered by accident and illness pet insurance?
Standard accident and illness pet insurance may not cover:
- Routine care: regular check-ups, vaccinations and preventative treatments to maintain your pet’s health.
- Elective procedures: non-essential or cosmetic surgeries or treatments chosen for reasons other than medical necessity.
- Behavioural issues: training, therapy, or treatments for behavioural problems or training needs.
- Breeding and pregnancy: costs associated with mating, pregnancy and birthing for breeding purposes.
- Dental illnesses: ailments or issues affecting your pet's teeth, gums, and overall oral health.
- Pre-existing conditions: health problems or illnesses that your pet had before getting the insurance coverage.
Is accident and illness pet insurance right for me?
Accident and illness pet insurance is a mid-tier option that can help protect your pet against a wide range of potential medical expenses. If you want peace of mind knowing that both accidents and illnesses are covered, this type of policy could be a good fit. However, depending on your budget and needs, there are alternatives available:
Accident-only pet insurance: this type of insurance is a more budget-friendly option that focuses solely on covering unexpected accidents and injuries, but does not cover illnesses or diseases.
Comprehensive pet insurance: comprehensive pet insurance offers a wider scope of coverage, including both accidents and illnesses as well as optional extras such as routine care and dental illness cover.
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?
100% free
Our comparison service is free to use, providing you with a range of pet insurance quotes at no cost.
Compare in two minutes
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.
Top tips for comparing accident and illness pet insurance policies
Premiums
The cost of accident and illness pet insurance varies based on factors like your pet’s age, breed, location, and the coverage limits you choose.
Benefit percentage
Different policies may offer varying benefit percentages, which determine how much of the vet bill the insurer will cover.
Excess
Excess is the amount you need to pay out of pocket before the insurance coverage kicks in. It's essential to understand the excess associated with your policy.
Waiting periods
Insurance policies typically have waiting periods before certain conditions and treatments are covered. Be sure to check the waiting periods for the policy you're considering.
Age restrictions
Some policies have age limits for enrolment. Ensure the policy is suitable for your pet’s age.
