Our Bronze cover is our most basic level of cover which helps to protect your pet from any accidents they’ve had. Because it only covers accidents it’ll be the cheapest cover we provide.
What is accident only pet insurance?
Accident only pet insurance is there to cover vet bills arising from any accident that your pet may suffer. However, it won’t cover you if your pet requires treatment for an illness.
If an accident does happen, our plan covers up to £2,250 of your pet’s vet treatment.
Bronze
Essential accident only cover
Vet fee cover limit
Up to £2,250per accident
- 12 month time limited. Pays up to 12 months from first date of treatment. Cover limit applies per accident.
Inner limits
Up to £500depending upon treatment
- In some cases there are restrictions on certain types of treatment types which are lower than the overall cover limit. These are called inner limits.
- Cruciate Ligament: £500
- Alternative treatment: £250
- Dental treatment: £250
Excess
From £125*per injury per year (depending on pet age)
- *Excess varies according to pet age;
- Dogs under 8: £125
- Dogs over 8: £275
- Cats under 10: £125
- Cats over 10: £275
- Please check the policy wording to understand excess levels.
| Section | Cover | Detail |
|---|---|---|
| A | Veterinary Fees* up to | £2,250 |
| Inner Limits up to (Included within total Veterinary Fees amount above) | ||
| Cruciate Ligament | £500 | |
| MRI / CT Scan | £0 | |
| Alternative treatment | £250 | |
| Dental (accident/injury) | £250 | |
| Diet Food | £0 | |
| Behavioural treatment | £0 | |
| Covered in UK / EU PETS Scheme Area | Yes | |
| Excess per injury or illness, per year | Dogs under 8: £125 Dogs over 8: £275 Cats under 10: £125 Cats over 10: £275 |
|
| Voluntary Excess Alongside paying the compulsory excess on your policy, an additional voluntary excess is an amount you’re willing to pay towards the cost of a claim. Should your pet need any veterinary treatment, we would cover 80% towards the treatment costs and you would contribute the remaining 20%. By contributing 20% towards the cost of each claim, we are able to reduce the price or your premium. | 0% or 20% | |
| B | Death (Applies only to dogs under 8 years old and cats under 10 years old) | |
| Accident up to | £250 | |
| Illness up to | £0 | |
| Euthanasia | £0 | |
| C | Third Party Liability (Dogs Only) | £1,000,000 |
| Excess | £250 | |
| D | Loss & recovery (Applies only to dogs under 8 years old and cats under 10 years old) | £250 |
| E | Emergency boarding and pet minding fees | £250 |
| F | Holiday cancellation | £0 |
| G | Accidental damage | £0 |
| Pre-Existing Conditions | All pre-existing conditions are excluded from cover |
Policy Documents
The Policy Wording and Insurance Product Information Document (IPID) for Accident Only Cover can be viewed here
*The Vet fee amount includes;
- Up to £45 towards consultation fees for each separate visit to the vet as a result of the condition
- Up to £110 per visit towards out of hours fees only where a vet confirms an emergency consultation was necessary
- Up to £150 per condition for all external laboratory fees including handling, postage and packaging and interpretation fees
- Up to £35 per session towards hydrotherapy, physiotherapy, acupunture, chiropractic, osteopathy or laser treatment fees
- Up to £350 per condition toward Specialist or Referral vet consultation fees
What accident only cover protects against
Accident Only plans only cover vet fees for injuries caused by accidents. Our plans are based on an accident-only cover limit of £2,250 per accident per year.
What's not covered
It does not cover illnesses, diseases or pre-existing conditions. If you are looking for cover that provides cover for illness and diseases then you can take a look at our time-limited, maximum benefit and lifetime plans.
There are also some exclusions on our policies, such as specific dog breeds and treatment types. For full details see our policy exclusions.
Accident only cover FAQs
What’s an excess and how does it work?
For accident only cover the excess is payable on each injury you make a claim for in each policy year. If your claim spans two plan years for the same injury you’ll be required to pay the excess each year.
For example, our excess for accident-only policies is £100 or £125 for a cat under 10 years old or a dog under 8 years old. The excess increases to £250 or £275 for older cats and dogs and so you would have to pay more. Check your policy documents to understand your excess levels.
If you claim under the Third Party Liability section of cover then the excess is £250.
Is there an age limit?
Your pet must be at least 5 weeks old when your policy starts. There is no upper age limit but please note that the excess increases and cover for death, euthanasia and loss and recovery ends when your dog reaches the age of 8 or your cat reaches the age of 10.
Is there a waiting period before my pet is covered?
No, we don’t have a waiting period for accidents or injuries.
Do accidents also include those to household items and property?
Accident-only cover relates to accidents that your pet has, for example if they are involved in a road traffic collision, accident-only cover will not provide any cover for accidental damage caused by your pets.
However, our lifetime policies do come with cover for accidental damage. These protect you if your dog causes accidental death or injury to a person or accidental loss or damage to their property. Find out more about accidental damage cover within pet insurance.
What happens at renewal?
All our products are annual policies providing cover for new injuries and illnesses occurring after the policy has started and after the 14 day waiting period for illness has passed. We’ll send you an email 3 weeks before your renewal is due with the renewal price and how it compares to your current premium.
Please be aware that the chances of your pet getting ill increases as they age and this means your insurance premium will also increase. This increase could be significant if you have made a claim.
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