Accident only pet insurance
Accident only pet insurance is the most basic cover we offer. It helps with vet fees if your cat or dog is hurt in an accident, up to £1,000 per injury, for up to 12 months.
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- A fixed £1,000 vet fee limit for each accidental injury
- Claim for up to 12 months per injury, or until the limit is reached
- Complementary treatment included, with a low £90 excess
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What is accident only pet insurance?
Accident only pet insurance is the most basic type of pet insurance. It helps with vet fees when your cat or dog is injured in an accident, like a broken bone, a cut or a road traffic accident, up to a fixed limit of £1,000 for each injury. It is the lowest-cost way to hold some protection, but it is limited. It does not cover illness of any kind, even an illness that follows an injury, and you can claim for each injury for up to 12 months from when it was first noticed or treatment started, whichever comes first, or until the £1,000 limit is reached. After that, that injury is no longer covered. Every accident only policy still comes with a low £90 excess, direct payments to your vet, and money off top pet brands through our Perks & Offers. It’s available for dogs and for cats, our cat insurance page covers the feline side.
Regulated by the Financial Conduct Authority. 
Cover for accidental injuries
- Up to £1,000 for each accidental injury
- Broken bones, cuts, road accidents and more
- Complementary treatment included
The lowest-cost option
- Our most basic level of cover
- A simple, entry-level way to stay protected
- No illness cover, which keeps the price down
Packed with extras
- Low £90 excess, one of the lowest around
- Average savings of 57% on prescription meds
- Perks & Offers, included at no extra cost
Our Accident Only Policy
This policy covers accidental injuries only and provides a fixed vet fee limit of £1,000 per injury. You can claim for treatment related to that injury until the vet fee cover limit is reached or for up to 12 months, whichever comes first. It doesn’t provide cover for illnesses, even if the illness was caused by an injury.
| Accident Only | |
|---|---|
| Vet fees (per condition) | £1000 |
| Third party liability (dogs only) | ✘ |
| Complementary treatment | ✓ |
| 24/7 vet advice | ✘ |
| Overseas holiday cover | ✘ |
| Holiday cancellation | ✘ |
| Missing and stolen | ✘ |
| Advertising and reward | ✘ |
| Emergency boarding | ✘ |
| Death from illness or accidental injury | ✘ |
| Excess | £90 per condition, per policy year. |
Regulated by the Financial Conduct Authority.
What does accident only pet insurance cover?
Our accident only policy covers vet fees for accidental injury, up to £1,000 per injury. Here is what is included, and what is not.
Helps with vet fees for treating an accidental injury, like a broken bone, a cut or a road accident, up to £1,000 per injury. You can claim for that injury for up to 12 months, or until the limit is reached, whichever comes first.
Cover for vet-recommended therapies like physiotherapy, hydrotherapy and acupuncture, when they are part of treating a covered accidental injury.
Accident only cover does not help with illness of any kind, even an illness caused by an injury. It also excludes pre-existing conditions, routine or preventive care, dental work that is not from an accident, and behavioural issues. As the most limited type of cover, it is worth comparing against time limited, maximum benefit and lifetime cover before you decide.
Accident only cover helps with vet fees when your pet is injured in an accident, up to £1,000 for each injury. You can keep claiming for that injury for up to 12 months from the first treatment, or until the £1,000 limit is used up, whichever comes first. After that, that injury is no longer covered. You pay a £90 excess per claim, and once your dog turns 8 or your cat turns 10 a 15% co-payment applies on top.
You pay one £90 excess per condition, per policy year, which is deducted as part of your claim. Accident only has no third party liability section, so the £250 liability excess never applies.
Cover for accidental injuries starts 5 days after your policy start date. An injury that happens, or first shows signs, within those 5 days counts as pre-existing and can’t be claimed for.
We can settle an eligible claim directly with your vet, so you’re not left finding the money first. Direct payment is at your vet’s discretion, and where it isn’t possible we pay you by BACS.
An accidental injury is a sudden, unexpected physical injury caused by an accident, like a broken bone, a cut, a burn or a road traffic accident. Illness of any kind sits outside accident only cover, even an illness that follows an injury.
You can ask to change your level of cover at renewal. Anything your pet developed while on accident only counts as pre-existing under the new policy, so cover for those conditions won’t carry across, but new illnesses and injuries after the change can be covered.
Accident only keeps things simple, so the 24/7 Vet Assist line, third party liability and travel extras aren’t included. Complementary treatment is covered when it’s part of treating an accidental injury, and our Perks & Offers are included.
Why choose Perfect Pet Insurance?
Explore what comes with every accident only policy, from trusted vet support to everyday savings.
97% of claims settled within five working days
We can pay your vet directly, so you’re not left finding the money first.
No upper age limit on new policies
Puppies and kittens can join from 4 weeks, and there’s no upper age limit on a new policy. Every pet is welcome, whatever their age.
A low £90 excess
You pay one £90 excess per condition each policy year – one of the lowest around.
Physio, hydro and more
Cover for vet-recommended complementary therapies like physiotherapy, hydrotherapy, acupuncture and osteopathy, to help your pet recover.
Regulated by the Financial Conduct Authority.
We’re here for you and your pet
Every accident only policy comes with trusted tools and expert help that make health worries easier to handle and everyday care more affordable.
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Dog symptom checker
Check your dog’s symptoms and get rapid guidance with our free, vet-approved symptom checker.
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Money off top pet brands
Save on everyday pet care with our Perks & Offers, included with your policy.
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Save on prescription medication
Unlock average savings of 57% on prescribed medication, trusted pet meds delivered straight to your door.
Explore cover
for every pet
Whatever you are insuring, explore cover for dogs, cats, new arrivals and multi-pet homes.
Dog insurance
- Up to £5,000 towards vet bills for every new illness or injury, each year
- Every dog welcome, from 4-week-old puppies to older dogs with no age limit
- Free 24/7 vet calls and a low £90 excess
- Physio, acupuncture and other complementary treatments included
Cat insurance
- Up to £5,000 towards vet bills for every new illness or injury, each year
- Cover for indoor and outdoor cats, whatever their age
- Up to £5,000 towards vet bills for every new illness or injury, each year
- Physio, acupuncture and other complementary treatments included
Multi-pet insurance
- Save 15% when you protect more than one pet
- Pick a different level of cover to suit each pet
- One easy renewal date for the whole household
Puppy Insurance
- Get them protected from just 4 weeks old
- Up to £5,000 towards vet bills for every new illness or injury, each year
- Award-winning, Moneyfacts 5-star Elite Extra Plus cover
- Insure early, before little niggles count as pre-existing
More memories, less worry
Join thousands of UK pet owners who trust us to be there for the long haul. A quote takes about 2 minutes.
Regulated by the Financial Conduct Authority.
Accident only
Frequently Asked Questions
Find out more about accident-only cover for dogs and cats with these common questions from UK pet owners.
It covers vet fees for treating accidental injuries, like broken bones, cuts, bites or road accidents, up to £1,000 for each injury, including complementary treatment that is part of that care. It does not cover illness.
Accident only cover does not help with illness of any kind, even an illness caused by an injury. It also excludes pre-existing conditions, routine and preventive care, dental work not caused by an accident, and behavioural issues. For broader protection, time limited, maximum benefit or lifetime cover may suit better.
You can claim for each accidental injury for up to 12 months from when it was first noticed or treatment started, whichever comes first, or until the £1,000 limit is reached. After that, that injury is no longer covered, even at renewal. There is no limit on the number of separate injuries you can claim for.
Accident only is usually the lowest-cost type of pet insurance, because it only covers accidental injuries and not illness. Lifetime, maximum benefit and time limited cover all cost more but offer broader protection. The right choice depends on your pet and your budget, so it is worth comparing them before you decide.
There is no upper age limit on taking out a new accident only policy, so older pets can be covered. Once your dog turns 8 or your cat turns 10, a 15% co-payment applies on top of your excess when you claim. For a pet more likely to develop an illness, it is worth weighing accident only against fuller cover.
A pre-existing condition is anything your pet has had, or shown signs of, before the policy started or during the waiting period. Accident only cover does not pay out for pre-existing conditions. The policy wording explains exactly how they are treated.
How accident only compares to other types of pet insurance
Accident only is the most basic cover, but it is not the only option. Here is how the others compare, so you can weigh up what is right for your pet and your budget.
Lifetime Insurance
Lifetime pet insurance provides an annual vet fee allowance that refreshes each year you renew. It helps cover long-term and recurring conditions as well as new illnesses or injuries, offering the most comprehensive level of protection throughout your pet’s life. Discover Lifetime
Accident Only Insurance
Covers treatment for accidental injuries, but not illnesses or long-term conditions. The most basic, lowest-cost option. Discover Accident-Only
Time Limited Insurance
Covers each new condition for up to 12 months from the first treatment, or until the vet fee limit runs out, whichever comes first. A lighter, lower-cost way to stay protected, with less cover for ongoing issues. Discover Time-Limited