Accident-Only Pet Insurance

In addition to the main types of pet insurance, there are also "Accident Only" policies.

This type of insurance covers your pet for injuries sustained in an accident, but illnesses are not included. An accident only policy provides very little cover, as the majority of pet insurance claims are illness related.

It may be useful to consider if you're on a tight budget and it's your only option, but if you can find a standard policy for not much more, it will probably be worth spending a little extra to get it.

Advantages of accident-only pet insurance

• It's the cheapest type of policy.
• For young and healthy pets it can be a good option.

Disadvantages of accident-only pet insurance

• Cover is extremely limited, as illnesses are not included.
• Most policies only cover your pet for a limited time and up to a maximum amount.