Accident Only Pet Insurance

The name of the "accident only" pet insurance pretty much confirms what is covered, its simply covers the cost of any treatments needed if your pet is involved in an accident.

Policies may have extras such as cover for accidental poisoning and third party liability but this depends on the individual insurer and the level of cover chosen, its always best to double check what is and isn't covered when looking for any pet insurance.

What about illness?

An accident only pet insurance policy excludes any claims related to illness.

Its one of the largest disadvantages of this policy type as a lot of pet owners really are looking for illness cover against conditions and if thats the case then they should be looking at other policy types such as lifetime pet insurance which offers a more comprehensive level of cover.

On the upside the cost of accident only insurance can be the cheapest choice.

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What types of pet insurance are there?

Accident only. Will cover your pet in the event of an accident, but won’t cover long-term illness. There may also be limits on the amount of time and money allowed for treatment.

Time Limited. Covers illnesses as well as accidents, but for a limited amount of time only. These policies may also come with a maximum pay-out.

Maximum Benefit. Covers illnesses and accidents up to a maximum amount per condition, but there’s no time limit on how long you can claim for. This can be useful if your pet experiences a chronic or persistent illness.

Lifetime. This is the most complete type of pet insurance available. It covers accidents, injuries or illnesses for the lifetime of your pet, subject to limits as advised in the policy. These policies can include extras such as dental cover and expenses for burial.

Things to be aware of with accident only insurance

One of the main benefits with accident only pet insurance is the cost, price wise it's usually the cheapest option when it comes to insuring your pet and whilst that is true at the initial time of taking out the policy, by using a yearly policy instead of a lifetime one it could cost you in the long run.

Basically should you want to swap to a lifetime policy at a later date, it won't cover any pre existing conditions which become apparent before you have started that lifetime policy. If you for the first couple of years use a yearly policy and unfortunately your cat or dog develops a chronic illness for example, when you switch to the lifetime policy those conditions aren't going to be covered.

Accident only is perfect for some owners though, it all depends on your individual needs and expectations from your insurance. If its right for you then why not check this comparison engine and see if you can save?