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.
- 12 month time limited. Pays up to 12 months from first date of treatment. Cover limit applies per accident.
- 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
- Unlike other pet insurers, we don't impose a coinsurance payment when claiming.
|A||Veterinary Fees* up to||£2,250|
|Inner Limits up to|
(Included within total Veterinary Fees amount above)
|MRI / CT Scan||£0|
|Covered in UK / EU PETS Scheme Area||Yes|
|Excess per injury or illness, per year||Dogs under 8: £75|
Dogs over 8: £200
Cats under 10: £75
Cats over 10: £200
|B||Death (Applies only to dogs under 8 years old and cats under 10 years old)|
|Accident up to||£250|
|Illness up to||£0|
|C||Third Party Liability (Dogs Only)||£1,000,000|
|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|
|Pre-Existing Conditions||All pre-existing conditions are excluded from cover|
*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.
...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.
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.
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.
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.
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.