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Compare accident only pet insurance quotes

Compare cheap pet insurance quotes and get up to £25* cashback

accident only pet insurance
accident only pet insurance

*based on a lifetime policy for a 1 year old male Cockapoo, who is neutered, fully vaccinated and shows no signs of aggression. Cover starts on 22nd July 2022. Prices are correct as of 11th July 2022. 

Compare up to 26 providers to get an cheap accident only pet insurance quote

Get quotes

Spend some time entering your details and the details of your pet. You’ll get access to a variety of quotes so that you can find the one for you. 


Compare the UK’s most reputable policies and prices to find the right pet insurance plan for you.

Get paid

Choose an insurance plan. Your cashback will be on its way and paid into your account. Please note that it can take up to 10 weeks from the start of your policy for your cashback to be paid

Why compare accident only pet insurance at Quidco?

Pets are part of the family, but unfortunately, their healthcare isn’t as simple as ours. Something happening to your pet can be a constant worry, and not having a good pet insurance plan could have drastic consequences.

We provide access to reputable companies that you can trust. All you need to do is review your needs and the depth of coverage you would like to receive. You’ll make significant savings by comparing, and we will even top up those savings with up to £20 cashback.

What is accident only pet insurance?

Accident only pet insurance is a basic level of cover for your pet. It covers you for any financial loss from such things as vet bills in the event of an accident.

This can be useful for people with younger pets, who do not suffer with any pre-existing medical conditions but otherwise, can be clumsy. 

What does accident only pet insurance cover?

As this type of insurance is the most basic, usually the cheapest, and most accessible type of cover for your pet, it does tend to have limited coverage across the policy.

Before committing to a policy, it is important to understand what your needs are and whether you will need to opt for add-ons. 

Vet fees

Because this only covers accidents, if your pet suffers lacerations, bite wounds, torn nails, insect stings and bites, abrasions, and punctures, you will be reimbursed for the expense of the initial vet fees and consultation. Any further treatment will most likely not be covered with an accident only policy. 

What does it not cover?

There are a variety of treatments that accident only will not cover, so make sure you know what you need before agreeing to a policy. It could be beneficial looking into maximum benefit insurance, and time-limited insurance to find the right policy for you. 


Routine care like vaccinations and worming are not part of an accident only insurance policy. So if you’re welcoming a kitten or puppy to the family then you may want to consider a higher level of insurance as these treatments can be costly. 

Vet fees due to illness

Accident only plans will not cover you if you find your pet has fallen ill, for example, if they start to suffer from cancer, allergies, diabetes, or kidney failure.

Pre-existing conditions

If your pet has a pre-existing medical condition, you might want to consider a different policy to accident-only, as this will not cover any fees related to that specific illness.

Optional add-ons

As accident only pet insurance is very basic, then you may want to consider these add-ons. However, bear in mind that all policies are different and they might not offer the same level of protection, so always read the fine print when committing to a policy.

Death from illness or injury

If your pet dies or has to be put to sleep as a result of a sickness or accident, this coverage normally covers the purchase price of your pet.

Holiday cancellation

Covers non-recoverable travel and lodging expenses if you have to cancel or cut short your vacation due to a life-threatening illness or injury to your pet.

Loss by theft or straying

This covers up to the purchase price of your pet if it is stolen or strays and is not found or returned.

Advertising and reward

If your pet is stolen or goes missing, you may receive cover for the expense of publicising your pet's loss as well as a reward to get your pet back.

Boarding fees

If you need to take your pet into a cattery or kennel, having this add-on might help with the fees of boarding.

Third-party liability

Adding third-party liability protects you financially should your dog cause damage or injury in which you are legally liable. It's only available with dog insurance.

How to save money on your emergency pet insurance policy

Accident only pet insurance is the cheapest option out there, however there are ways to keep the costs down. To begin saving money, be sure to use a comparison tool like Quidco, you can choose from a range of providers and what’s more, you could receive cashback on your savings, too. 

Further to this, by paying annually for your pet insurance, you could save money too. Another way of keeping premiums down, is to be entirely honest with your insurance provider when detailing your pets information, i.e. don’t lie about any pre-existing conditions.

What you will need for a quote

As well as a few personal details about you, we’ll need to know the following about your pet to start comparing quotes. 

  • What pet you have, their gender, name, and age  
  • Whether your dog or cat is a pedigree
  • The breed or size, and how much you paid for it 
  • If your cat or dog has been neutered/spayed and chipped 
  • The level of cover you want 
  • Cover start date

Other types of cover

Time limited pet insurance

For pet owners seeking a basic pet insurance policy, time-limited coverage is suitable. It will cover your pet for short-term illnesses and injuries and is excellent for pet owners who have older pets with pre-existing conditions.

Maximum benefit insurance

Maximum benefit offers you an annual payment that you can collect at any time during the year. It can be done for each policy, for each condition, or for both at the same time. However, once you've reached the limit, you won't be able to claim for any more conditions.

How to make a claim

To make a claim for any fees related to your pet, you should act as soon as your pet has an accident. To begin, contact your insurance company within 90 days of the incident and inform them that you desire to file a claim.

You'll be asked to submit a claims form, which may include a section for your vet to complete. After that, you'll need to gather any applicable proof and paperwork, as well as fill out a claim form and send it to your insurer.


What is accident only pet insurance?

Accident only pet insurance is a basic level of cover for your pet. It covers you for any financial loss from such things as vet bills in the event of an accident.

What does accident only pet insurance cover?

Accident only pet insurance covers your pet in the event of an accident, it does not however, protect you should your pet fall ill.

Can you get accident only pet insurance?

Yes. Be sure to compare quotes with a comparison tool such as Quidco to shop from a range of deals suited to you and your pets needs. What’s more, you can get cashback on top of your savings. 

Can you get pet insurance after an accident?

Yes, you can receive pet insurance even if your pet is wounded. However, because this is a pre-existing medical condition, this injury will be excluded from your coverage.