Compare quotes for policies covering treatment costs if your pet’s injured in an accident
Accident-only cover offers a fixed sum per injury if your dog or cat has an accident. Some policies cover emergency treatment of illnesses due to injury too, but it's pretty rare so check the cover details to make sure.
There’s usually a financial cap and/or time limit on the cover as well. To be continuously covered, you need to renew your pet insurance policy at the end of the policy period and keep your payments up to date. It's the most basic type of pet insurance, with the least cover, so often works out the cheapest.
These policies allow you to claim up to a specified amount per illness or injury, within a set time period – usually 12 months.
Once you reach the fixed sum or the time limit, your pet won’t be covered for that condition anymore.
Each illness or injury has a maximum fixed amount of cover, but there’s no time limit.
This allows you to claim for the same condition more than once, until you reach the financial cap. Then you’ll have to pay for any further treatment yourself.
Illnesses and injuries will be covered for your pet’s lifetime, providing you renew your policy every year.
The terms of lifetime pet insurance vary between insurers, so check before you buy.