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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
    Get a Quote Read more
  • 2nd
    Review Score
    8.7/10

    Based on 4,075 reviews

    Defaqto Rating
    Maximum Vet Fees
    £2.5k
    per condition
    Excess
    £100
    dog | cat
    Get a Quote Read more
  • 3rd
    Review Score
    8.6/10

    Based on 4,728 reviews

    Defaqto Rating
    Maximum Vet Fees
    £1k
    per accident
    Excess
    £99
    dog | cat
    Get a Quote Read more
  • 4th
    Review Score
    8.6/10

    Based on 1,006 reviews

    Defaqto Rating
    Maximum Vet Fees
    £2k
    per accident
    Excess
    £109
    dog | cat
    Get a Quote Read more
  • 5th
    Review Score
    8.0/10

    Based on 8,394 reviews

    Defaqto Rating
    Maximum Vet Fees
    £1k
    per accident
    Excess
    £90
    dog | cat
    Get a Quote Read more
  • 6th
    Review Score
    7.6/10

    Based on 15,594 reviews

    Defaqto Rating
    Maximum Vet Fees
    £2.5k
    per accident
    Excess
    £100
    dog | cat
    Get a Quote Read more
  • 7th
    Review Score
    6.9/10

    Based on 890 reviews

    Defaqto Rating
    Maximum Vet Fees
    £2.25k
    per accident
    Excess
    £75
    dog | cat
    Get a Quote Read more
  • 8th
    Review Score
    6.1/10

    Based on 283 reviews

    Defaqto Rating
    Maximum Vet Fees
    £12,000
    per policy year
    Excess
    £100
    dog | cat
    Get a Quote Read more
  • 9th
    Review Score
    5.6/10

    Based on 207 reviews

    Defaqto Rating
    Maximum Vet Fees
    £3k
    per accident
    Excess
    £120
    dog | cat
    Get a Quote Read more

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.

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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
    i Reviewed without invitation
    Reviewed the Claims experience on 6 Apr 2022

    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
    i Reviewed without invitation
    Reviewed the Claims experience on 31 Mar 2022

    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 resolve…
    • 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
    i Reviewed without invitation
    Reviewed the Claims experience on 24 Mar 2022

    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…
    • 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
    i Reviewed without invitation
    Reviewed the Claims experience on 14 Mar 2022

    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 d…
    • 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
    i Reviewed without invitation
    Reviewed the Claims experience on 4 Mar 2022

    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 claim…
    • 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
    i Reviewed without invitation
    Reviewed the Claims experience on 27 Feb 2022

    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 pro…
    • 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
    i Reviewed without invitation
    Reviewed the Sales experience on 26 Feb 2022

    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
    i Reviewed without invitation
    Reviewed the Service experience on 24 Feb 2022

    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 a…
    • 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
    i Reviewed without invitation
    Reviewed the Claims experience on 22 Feb 2022

    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…
    • 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
    i Reviewed without invitation
    Reviewed the Claims experience on 6 Feb 2022

    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…
    • 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
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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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    Use our Review Scores to identify top pet insurance providers.

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    Start a FREE pet insurance quote on our platform.

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    Tell us your pet’s details and medical history.

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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.

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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:

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

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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.

Accident Only Pet Insurance Guides

Check out our insurance guides for more information