Accident only pet insurance
Compare accident only pet insurance policies side-by-side to find affordable cover.
4 of 4 results
Compare other products
How we picked these
Finder Score for pet insurance
We designed Finder Score to make comparing pet insurance easier, assessing more than 20 products for their price and features. Finder Score assigns each product a score out of 10.
Key takeaways
- Accident only pet insurance covers vet bills for most accidental injuries.
- It can be good if your pet is too old to get illness cover or has pre-existing conditions.
- It is cheaper than comprehensive cover.
What does accident only pet insurance cover?
Accident only pet insurance covers between 60% and 100% of vet bills for accidental injuries. Cover limits vary by insurer – check the table above for current maximums – and it's generally cheaper than comprehensive accident and illness pet insurance because it only covers your pet for common injuries such as:
- Bone fractures
- Snake bite toxicity
- Burns or electrocution
- Ligament or tendon injuries
- Allergic reactions to insect bites
- Bite wounds or injuries from other animals
- Cuts, scratches and abrasions
- Motor vehicle accidents
What accident-related treatments is your pet covered for?
Laboratory & diagnostics
X-rays
Medicines and drugs
Surgery
What's the definition of an accident?
All policies have a specific definition of accident. Generally, this refers to a single, specific and unintentional incident which can be said to have occurred at a distinct time and place.
How much does accident only pet insurance cost?
You can expect an accident only pet insurance policy to cost from $28 for dogs and $15 for cats each month* – that's noticeably cheaper than a comprehensive pet insurance policy. Remember, prices differ based on pet age and breed. Here's an overview of accident only pet insurance costs compared to other policies:
Dogs
| Dog age | Accident only | Accident and Illness | Comprehensive |
|---|---|---|---|
| 1 year | $28.78 | $82.94 | $91.43 |
| 4 years | $33.50 | $89.00 | $109.83 |
Methodology: We averaged the cost from 2 Australian pet insurance providers for accident, accident and medical, and comprehensive plans with various excesses based on options the provider had available. Quotes were taken in April 2026 for a male, desexed Cavoodle dog aged 1 year and 4 years.
Cats
| Cat age | Accident only | Accident and illness | Comprehensive |
|---|---|---|---|
| 1 year | $15.21 | $53.40 | $60.33 |
| 4 years | $15.74 | $60.81 | $72.03 |
Methodology: We averaged the cost from 2 Australian pet insurance providers for accident, accident and medical, and comprehensive plans with various excesses based on options the provider had available. Quotes were taken in April 2026 for a male, desexed tabby cat aged 1 year and 4 years.
What factors will impact what I pay?
Your premiums are generally impacted by how likely you are to make a claim, and how much it's likely to cost. As such, insurers will naturally consider the breed, age and species of your pet.
- Cats are typically cheaper to insure than dogs.
- Large dogs are typically more expensive than smaller dogs.
- Breeds with a high risk of congenital issues are typically more expensive than those without.
This is just a snapshot. You can find a more detailed list of the factors which impact premiums here.
Pros
- It covers your pet for some of the most common accidents.
- It helps you avoid expensive vet bills.
- It's cheaper than accident and illness policies.
Cons
- It doesn't cover your pet for illnesses.
- It usually has a lower annual limit than accident and illness policies.
What to look for when comparing policies
Some key things to look for when weighing up different policies include:
- How much you will be reimbursed per treatment. Different policies will reimburse you for different amounts and can range from about 60% all the way up to 100%.
- The total amount you can claim. The annual limit is the total amount you can claim back per year. Sub-limits will also apply for certain treatments.
- Types of treatment covered. This is generally the same for most pet insurers but you can find exactly what's covered in the PDS. It generally includes: accident-related consultations, surgery, specialist care, diagnostic tests and other veterinary procedures.
What isn't covered by accident only pet insurance?
In addition to illnesses, accident only pet insurance generally won't cover:
- Elective procedures and treatments. Procedures that are not essential for your pet's survival, or not part of a recognised treatment plan for a specific condition.
- Dental procedures. Policies will often, but not always, exclude cover for dental procedures. For example, with accident only pet insurance you could not claim treatments for a fractured tooth.
- Day to day care. Expected everyday costs, such as grooming or bathing, food or accessories like crates or collars.
- Cover while your pet is being used for occupational purposes. Pets are generally not covered while being used for certain purposes. For example, a dog might not be covered while pig hunting, or being used specifically as a guard dog. Guide dogs and assistance dogs are exempt from this exclusion.
- Behavioural problems. For example, if a dog is injured after attacking another dog, and the attack can be attributed to behavioural problems such as a chemical imbalance or poor socialisation.
- Unapproved or extensive medication. Medications must be approved by the Australian Pesticides and Veterinary Medication Authority (APVMA), and you may not be covered for more than 30 days, or another period of time.
- Breeding or obstetrics. Injuries or illnesses arising as a result of pregnancy.
Frequently asked questions
More resources on Finder
Ask a question
More guides on Finder
-
Pets On Me Pet Insurance Review
Pets On Me can pay claims in 2 days and covers 80% of vet bills – unlike most.
-
Rabbit pet insurance in Australia
Learn more about rabbit pet insurance in Australia - what's covered, how much you can claim and the exclusions.
-
Australian Seniors Pet Insurance Review
Australian Seniors pet insurance is good if you’re over 50 – you get a 10% discount – but less so if you’re younger.
-
Pet insurance and pre-existing conditionsÂ
Pet insurance will rarely cover pre-existing conditions, unless you can prove they've healed from the condition.
-
Greencross Vets Healthy Pets Plus
Unlike pet insurance, Greencross Vets Healthy Pet Plus offers a wellness program designed to help keep your pet healthy.
-
Petcover pet insurance
Petcover offers a wide range of policies to help protect your cats, dogs, birds and more.
-
Bow Wow Meow pet insurance review
Bow Wow Meow has a higher annual limit and paralysis tick benefit than most insurers. Find out how it did in our awards, average costs and more.
-
RSPCA Pet Insurance Review
We all know who RSPCA is, but how do their pet insurance policies stack up? Learn if their policies are right for you with our latest review.
-
Cheapest pet insurance in Australia November 2026
Owning a pet is one of life's greatest joys. Whether you have a dog or a cat, having pet insurance is essential.
-
Everyday Pet Insurance Review
Find out what each of the 3 levels of pet insurance from Everyday covers.