What you need to know
- 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.
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:
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.
You can expect an accident only pet insurance policy to cost from $36 for dogs and $30 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:
Dog age | Accident only | Accident and Illness | Comprehensive |
---|---|---|---|
1 year | $35.99 | $63.91 | $78.50 |
4 years | $47.99 | $75.48 | $107.48 |
*Methodology: We averaged the cost from 2 Australian pet insurance providers for accident, accident and medical, and comprehensive plans with zero out of pocket excess. Quotes were taken in October 2021 for a male, desexed Cavoodle dog aged 1 year and 4 years.
Cat age | Accident only | Accident and Illness | Comprehensive |
---|---|---|---|
1 year | $29.98 | $41.25 | $50.25 |
4 years | $35.38 | $44.49 | $64.42 |
*Methodology: We averaged the cost from 2 Australian pet insurance providers for accident, accident and medical, and comprehensive plans with zero out of pocket excess. Quotes were taken in October 2021 for a male, desexed tabby cat aged 1 year and 4 years.
Some key things to look for when weighing up different policies include:
In addition to illnesses, accident only pet insurance generally won't cover:
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