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Accident only pet insurance

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.

Scratch & Patch - only a scratch

What is accident only pet insurance?

As you’d expect accident only pet insurance is there to cover vet bills arising from any accident that your pet may suffer. However, it won’t pay out if your pet requires treatment for an illness.

In 2019 the average cost of treatment for a fracture was £809.94*, so an accident only plan could be an option as opposed to self-insuring.

Our cover levels

If an accident does happen, our plan covers up to £2,250 of your pet’s vet treatment.

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
£75 or £200per injury per year (depending on pet age)
  • Unlike other pet insurers, we don't impose a coinsurance payment when claiming.

What our customers say about us

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.

...and 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.

If you are needing protection for your pet’s pre-existing medical conditions then our Champ plan could help.

There are also some exclusions on our policies, such as specific dog breeds and treatment types. For full details see our policy exclusions.

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Multi-pet discount

If you’re insuring 2 or more pets then you’ll receive a 10% discount off your total insurance premium. The offer applies to our Bronze, Silver, Gold, Premier and Premier Plus cover and will be deducted when calculating your quote.

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97% claims paid

If the unfortunate situation arrives where you need to make a claim on your policy, we can assist by paying your claim fast and efficiently and often payments can be made directly to your vet – so long as you and they agree. In 2019 we paid 97% of all claims made.

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Switch without the wait

It hasn’t always been easy to switch your pet cover, but we’re changing that. Most providers will impose a 14-day wait time for illnesses if you switch, but so long as you are an existing pet insurance holder when you switch to us, we won’t.

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No co-insurance

Co-insurance is a payment in addition to the excess that’s shared between you and an insurer which splits the cost of claims, usually it’s an 80/20 split.

We want you to know exactly what your costs will be so we don’t impose a co-insurance payment on any of our plans.

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24/7 Careline access

The Scratch & Patch Careline which is available 24 hours a day, 7 days a week, is included for all cover levels. Our friendly UK based team are available whether you’re looking for pet care advice or looking for assistance with a quote or a claim.

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 £75 for a cat under 10 years old or a dog under 8 years old. So if you make a successful claim for £500 of vet treatment then we will pay £425 and you will pay the £75 excess. The excess increases to £200 for older cats and dogs and so you would have to pay more.

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 and pre-existing 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.

Get a quote now

Discover a new approach to pet insurance, cover your furry friend with us today.

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