Compare accident and injury only options for simple, affordable cover for your furry friend.
Accident only pet insurance only provides coverage for specific physical injuries and certain kinds of accidents.
This type of plan is typically a lot more affordable than comprehensive pet insurance, but generally doesn’t include cover for illnesses. It’s also a useful choice for older dogs and cats, as these policies will frequently not have age limits like some types of illness cover do.
Plans tend to vary considerably, and finding the right balance of cost and cover means being aware of the cover, the exclusions and all the costs involved.
Is your pet accident prone? Protect them now
What does accident only pet insurance cover?
Accident only pet insurance generally provides a basic level of cover, and tends to be the most affordable pet insurance option. Compared to more comprehensive accident and illness pet insurance policies, accident only cover will usually have a lower annual benefit limit. This refers to the amount you can claim per year on your policy.
Types of accidents your pet can be covered for
In most cases, there are only a few specific situations and types of injury that are covered. This includes situations include:
- Motor vehicle accidents, whether it’s because your pet was hit by a car or riding in one at the time
- Burns or electrocution
- Allergic reactions to insect bites other than ticks or fleas
Injuries your pet will be covered for
- Bone fractures
- Snake bite toxicity
- Ligament or tendon injuries
- Bite wounds or injuries from fighting with other animals
- Cuts, scratches and abrasions resulting from external forces
In other words, your pet is generally covered for almost all injuries that are the result of one of the situations covered, but will only be covered for specific injuries when they’re the result of an accident as defined by the policy.
What accident-related treatments will your pet be covered for?
- After-hours emergency visits
- Laboratory and diagnostic tests
- Medicines and drugs
- X-rays and other screening
What’s the definition of an accident?
Policies will include 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 do basic and accident-only plans on finder.com.au compare?
|Reimbursement||Annual limits||Choice of excess||Vet consultations||Multi-pet discounts|
|Pet Insurance Australia||Up to 80%||$8,000||$0, $100 or $200||$300||5% per pet, up to 15%|
|PetSecure||Your choice of 75% or 85%||$8,000||No excess||$300||10%|
|Bow Wow Meow||Up to 80%||$8,000||$0 or $100||$300||None|
Looking for extra cover?
With accident only pet insurance, your pet is not covered for any illnesses. This is important, because some pet accidents might need treatment that would only be covered under “illnesses” in your pet insurance policy.
There is a range of other options you may want to consider:
- Routine care cover: You can claim up to a certain amount per year for routine care costs, such as desexing, preventative medication, deworming and other semi-predictable expenses.
- Tick paralysis benefits: Cover specifically for tick paralysis treatment.
- Emergency boarding fees: Helps cover emergency boarding costs for your pet, if you are hospitalised and there’s no one else to take care of it.
- Consultations and visits: Helps cover the cost of routine visits to the vet.
- Hereditary and congenital conditions: Pays benefits towards treatment for conditions that your pet is genetically predisposed to.
- Cruciate ligament cover: Cover for this condition that is relatively common in dogs.
What isn't covered?
There are some conditions that your pet insurance won’t cover. The exclusions are typically the same for both basic accident only, as well as comprehensive accident plus illness pet insurance.
- 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.
It’s also important to note that your pet will generally only be covered for treatments or procedures which are recommended by a vet, following the diagnosis of a specific condition.
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:
- Types of treatment covered: You should look at whether accident-related consultations, surgery, specialist care, diagnostic tests and other veterinary procedures are covered.
- The injuries covered: The injuries that your pet is covered for can vary from one policy to the next. This should be outlined in the policy document
- How much you will be reimbursed per treatment: Different policies will reimburse you for different amounts, and may generally range from about 65% all the way up to 80% or more.
- 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 claims, which are individual limits for those specific treatments.
- If the policy has guaranteed renewability: You probably don’t want to go without this feature, now a relatively common inclusion in Australian pet insurance. With this, an insurer cannot decline to renew your pet insurance as long as you keep up with the premiums and policy conditions. Without it, an insurer might decline to renew your cover when your pet gets older and is more likely to need pet insurance.