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?
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
Up to £275per injury per year (depending on pet age)
- Unlike other pet insurers, we don't impose a coinsurance payment when claiming. Check your 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: £100 or £125 Dogs over 8: £250 or £275 Cats under 10: £100 or £125 Cats over 10: £250 or £275 |
|
| 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 |
Download the Insurance Information Product Document (IPID) for policies starting before 1st January 2022Policy wording for policies starting before the 1st January 2022
Policy wording for policies starting from the 1st January 2022
*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
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.
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.
95% 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 2020 we paid 95% of all claims made.
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.
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.
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.