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Protect your little friend from accidents

Accident only pet insurance will keep your pet safe if they suffer any accidents. You’ll be able to immediately take it to a vet and have it seen to without worrying about the vet bill.

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Top Rated Providers

We compare product ratings and reviews from the most trusted providers of pet insurance in the UK. Our comparison table is ordered by review score. The review score is the average weighted score based on product quality and user reviews from the last 12 months. Find out more about how our review score is calculated.

1st

Review Score

8.8/10

Based on 38,001 reviews

Defaqto Rating

Maximum Vet Fees:

£2.5k

per accident

Excess:

£99

dog | cat

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2nd

Review Score

8.7/10

Based on 4,075 reviews

Defaqto Rating

Maximum Vet Fees:

£2.5k

per condition

Excess:

£100

dog | cat

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3rd

Review Score

8.6/10

Based on 4,728 reviews

Defaqto Rating

Maximum Vet Fees:

£1k

per accident

Excess:

£99

dog | cat

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4th

Review Score

8.6/10

Based on 1,006 reviews

Defaqto Rating

Maximum Vet Fees:

£2k

per accident

Excess:

£109

dog | cat

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5th

Review Score

8.0/10

Based on 8,394 reviews

Defaqto Rating

Maximum Vet Fees:

£1,000

per accident

Excess:

£90

dog | cat

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6th

Review Score

7.6/10

Based on 15,594 reviews

Defaqto Rating

Maximum Vet Fees:

£2.5k

per accident

Excess:

£100

dog | cat

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7th

Review Score

6.9/10

Based on 890 reviews

Defaqto Rating

Maximum Vet Fees:

£2.25k

per accident

Excess:

£75

dog | cat

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8th

Review Score

6.1/10

Based on 283 reviews

Defaqto Rating

Maximum Vet Fees:

£12,000

per policy year

Excess:

£100

dog | cat

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9th

Review Score

5.6/10

Based on 207 reviews

Defaqto Rating

Maximum Vet Fees:

£3,000

per accident

Excess:

£120

dog | cat

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Most accident only pet insurance quotes are provided via Quotezone, who are FCA regulated.

Please note that some of the providers included within our table are not currently offering new policies.

Paws and reflect: Discover the ideal pet insurance coverage today!

We aggregate reviews from 10,000s of real customers to offer transparency and choice on one page – helping you make the best decisions for your pet. Why don’t you see what pet owners who have secured their pet insurance through Compare By Review have to say?

A D Broom

Cover Purchased

Reviewed without invitation

Reviewed the Claims experience on 6 Apr 2022

5 out of 5 paws

Good Service

Excellent staff,nice and friendly good service all throughout.
- Recieved a response within 3-4 days after their claim was submitted
- Claim was success and paid out
- Was neither happy or unhappy with their experience when they spoke to someone
Charlotte

Cover Purchased

Reviewed without invitation

Reviewed the Claims experience on 31 Mar 2022

1 out of 5 paws

Abysmal Insurance Company

I’ve been waiting almost 10 months now for a resolution to a claim being bounced around different people at customer service, told it will be resolved within 72hrs, and then told I will hear back onl…
- Recieved a response over 5 days after their claim was submitted
- Claim is still unresolved
- Was neither happy or unhappy with their experience when they spoke to someone
V Beck

Cover Purchased

Reviewed without invitation

Reviewed the Claims experience on 24 Mar 2022

1 out of 5 paws

Appalling

I have had pet insurance for 9 years and never made a claim. When I did claim it was declined due to a historical problem even though my vet provided a letter confirming not in any way connected. Do …
- Recieved a response over 5 days after their claim was submitted
- Claim wasn't successful
- Was neither happy or unhappy with their experience when they spoke to someone
Milli Chatha

Cover Purchased

Reviewed without invitation

Reviewed the Claims experience on 14 Mar 2022

1 out of 5 paws

Do T Waste Your Money

This company does everything to avoid paying a claim. It does not even pre authorise any treatments so you have to pay and then claim . They have declined two claims from reading my dogs history an…
- Recieved a response over 5 days after their claim was submitted
- Claim wasn't successful
- Was neither happy or unhappy with their experience when they spoke to someone
Helen Woodford

Cover Purchased

Reviewed without invitation

Reviewed the Claims experience on 4 Mar 2022

5 out of 5 paws

Excellent Service!

We insured our dog with Petplan for many years and did not need to claim. Unfortunately, she became I’ll and we had to make several significant claims. All were dealt with quickly and efficiently. I…
- Recieved a response within 1-2 days after their claim was submitted
- Claim was success and paid out
- Was neither happy or unhappy with their experience when they spoke to someone
Ann

Cover Purchased

Reviewed without invitation

Reviewed the Claims experience on 27 Feb 2022

5 out of 5 paws

Rapid Response To My Claim

I really appreciated that my claim was dealt with swiftly and without any quibbles, despite being a very new customer. Very pleased I’m with pet protect so far.
- Recieved a response within 1-2 days after their claim was submitted
- Claim was success and paid out
- Was neither happy or unhappy with their experience when they spoke to someone
Hilary Maidment

Cover Purchased

Reviewed without invitation

Reviewed the Sales experience on 26 Feb 2022

3 out of 5 paws

Purchasing My Insurance For Peppa

i went onto compare the market and there was not one word from any sales assistant it was all done by clicking here and then clicking there etc
- Thought purchasing a policy was really easy
- Bought insurance with Accident Only Pet Insurance because of price
- Was neither happy or unhappy with their experience when they spoke to someone
Rosemary C. Armstrong

Cover Purchased

Reviewed without invitation

Reviewed the Service experience on 24 Feb 2022

1 out of 5 paws

Hurtful Rejection Of Rspca Adopted Cat!

24th Feb, 2022 Tried to get a quote for my 10yrs old cat who is healthy and has never had any health problems. She was adopted from RSPCA in 2013 and, with a lot of love, in a one-cat household she…
- Recieved a response the same day their service query was submitted
- Was neither happy or unhappy with their experience when they spoke to someone
Jackie Podmore

Cover Purchased

Reviewed without invitation

Reviewed the Claims experience on 22 Feb 2022

1 out of 5 paws

Avoid This Company Will Not Pay Claim

Avoid like the plague. When I had my shar pei puppy was noticed she had mild entropy and was stated by my vet no treatment was needed. After 6 years she had to have eye surgery as she had an eye ulc…
- Recieved a response over 5 days after their claim was submitted
- Claim wasn't successful
- Was neither happy or unhappy with their experience when they spoke to someone
Leroy James Frampton

Cover Purchased

Reviewed without invitation

Reviewed the Claims experience on 6 Feb 2022

1 out of 5 paws

Disappointing

No response to any emails. Changing or weak updates. Had claim since 21/1/22. Basic claim with no issues or missed information submitted by vet. Most recent update was will hear within two days. It i…
- Recieved a response within 1-2 days after their claim was submitted
- Claim is still unresolved
- Was neither happy or unhappy with their experience when they spoke to someone

How it works

As an FCA-regulated business, Compare By Reviews is best-placed to get you the best accident-only pet insurance on the market. With our comparison tables, you can secure the best deal for you and your four-legged friend!

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Read the reviews before deciding

85% of consumers read reviews before purchasing insurance. While price is often the most visible point of difference between insurance policies, it’s important to read reviews and find out how well these services are actually delivered when needed. You don’t want to find out at the wrong moment that your policy doesn’t cover an illness you need covered, which is why you need to read the reviews.

When it comes to your precious pets, don’t compromise and make sure you pick the right policy.

In this Guide

What are the pros and cons of accident only pet insurance?
How does accident only pet insurance work?
Is accident only pet insurance right for me?
What other types of pet insurance can I get?
Compare pet insurance providers

What are the pros and cons of accident only pet insurance?

Pros:

Premiums are less expensive than other pet insurance policies.
Good choice for young pets who are unlikely to have health conditions.

Cons:

Only covers your pet for accidents.
There’s likely to be a cap on how much you can claim for each accident.
Most policies tend to last 12 months so ongoing treatment won’t be covered.

How does accident only pet insurance work?

Accident only pet insurance pays out a fixed sum towards each accident your pet suffers from. Some policies also cover illnesses that are caused as a result of the accident too but this isn’t very common. You should read your policy details thoroughly to see what your pet accident insurance covers.

As with all pet insurance policies, there’s typically a cap and time limit on the cover. If you want your pet to receive coverage continuously, you need to keep your monthly payments up to date and renew your accident only dog insurance or cat insurance at the end of each policy term.

Is accident only pet insurance right for me?

You might think that an accident only policy is appealing because it’s the cheapest pet insurance available. But it’s important that you understand that accident only policies offer no cover or very limited cover for illnesses. Illnesses can tend to cost more in the long run, particularly if you have a pedigree cat or dog that is known to suffer from hereditary diseases. If you take out an accident only pet insurance whilst your pet is young and they develop a lifelong condition such as arthritis, you will be unable to claim for this condition for as long as your pet needs treatment for it. Basic treatment for arthritis can cost around £5,475 a year. You won’t be able to claim any of these costs back if you have an accident only policy. Even if you want to change insurer or change policy type in the future, you would have to declare the condition as pre-existing and cover for that particular condition would be excluded. It’s really important to bear this in mind if you’re considering an accident only policy because your pet could end up becoming a financial burden in the future if you opt for a cheaper, less comprehensive policy when they’re young.

What other types of pet insurance can I get?

There are three other types of pet insurance policies available:

Time limited pet insurance – covers vet fees for a year, once the year’s up, you’ll have to pay for further treatment.
Lifetime pet insurance – covers vet fees for the whole of your pet’s life provided you renew the policy each year.
Maximum benefit pet insurance – protects your pet from accidents and illnesses up to a maximum amount per condition.

Compare accident only pet insurance providers today

Compare pet insurance providers on Compare by Review today. We’re the first and only comparison site that ranks pet insurers exclusively on customer experience and product quality rather than price. Our full table of pet insurance providers gives you an impartial and unbiased overview so, whether you’re after accident only dog insurance or accident only cat insurance, you can purchase a policy from a high-quality provider that you can rely on when you need them most.

Frequently asked Questions

You should have accident-only cover for your pet as a bare minimum. Unlike humans, animals are not entitled to free healthcare, and it can be a very costly affair as animal healthcare is often just as complex as your healthcare.

The average traffic incident involving a dog can cost around £1,356, which for many, is a cost they cannot afford if the situation were to arise. If you want to make sure your pet lives as many happy years as possible, and has support if it ever suffers an accident, you should purchase an accident-only insurance plan.

Pets can suffer more than just accidents, and it’s worth looking at more comprehensive insurance policies.

When it comes to effective accident only pet insurance, it’s all about the efficacy and speed of response from the insurance provider. It’s great to pay a low monthly premium, but if you can’t get help when you need it, what’s the point?

That’s why at Compare By Review, we rank providers by customer experience and product quality. We encourage you to read as many reviews as you can and learn all about how different insurance providers react to claims and their processes.

It’s all about doing what’s best for your best friend.