Accident only pet insurance

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Finder Score	Maximum yearly benefit	Reimbursement rate	Accidental injury	Illness
Finder Score Not scored yet PetsOnMe Accident Plan	Finder Score Not scored yet	$5,000	80%			Get 2 months free (for pets under 1 year old) or 1 month free (for pets over 1 year old) with promo code FINDER2MF. T&Cs apply.	Get quote View details Compare product selection Compare	loading
Finder Score Not scored yet PD Accident Plan	Finder Score Not scored yet	$5,000	80%			Discount: Apply online and get your first 1 month free. T&Cs apply.	Continue View details Compare product selection Compare	loading

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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.

Read the full methodology

What does accident only pet insurance cover?

Accident only pet insurance covers between 60% and 100% of vet bills for accidental injuries. Some policies let you claim up to $12,000 per year and it's generally cheaper than comprehensive accident and illness pet insurance because it only covers your pet for common injuries such as:

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 $33 for dogs and $27 for cats each month* – that's around half the price of 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

_{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 March 2026 for a male, desexed Cavoodle dog aged 1 year and 4 years.}

Cats

_{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 March 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.

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

• What is defined as an accident in pet insurance?

  In pet insurance, an accident is typically defined as an unexpected event that results in physical injury to your pet. This can include things like car accidents, poisoning, or injuries from falls or fights.

• What happens with pet insurance if a pet dies?

  If your pet dies, some pet insurance policies may cover the cost of euthanasia, burial, or cremation, depending on the policy. However, accident-only policies generally do not cover death due to illness.

• What is incident limit on pet insurance?

  An incident limit on pet insurance is the maximum amount your insurer will pay for a single event or claim. For example, if your policy has a $2,000 incident limit, that is the most you can claim for any one accident.

Written by

Gary Ross Hunter

Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 576 Finder guides across topics including:

• Health, home, life, car, pet and travel insurance
• Managing the cost of living

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Peta Taylor

Publisher of Insurance

Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio