Accident-Only Pet Insurance
No premium, limit, benefit, waiting period or provider ranking on this page should be treated as current. Use the latest PDS, policy schedule and a personalised quote.
Last updated: June 11, 2026
Premiums and fees are not confirmed here. Request a current personalised quote for the same pet and cover settings, then compare the full annual total.
✅ What's Covered
- Motor vehicle accidents
- Broken bones & fractures
- Snake bites & poisoning
- Burns & lacerations
- Dog bites & fight injuries
- Foreign object ingestion
- Emergency surgery & hospitalisation
- X-rays, blood tests & diagnostics
❌ What's NOT Covered
- Illnesses (cancer, infections, diabetes)
- Hereditary & genetic conditions
- Dental disease
- Routine check-ups & vaccinations
- Desexing
- Pre-existing conditions
- Behavioural therapy
- Prescription food
💰 Accident-Only vs Comprehensive Costs
| Field | Current source to check |
|---|---|
| Premium and fees | Personalised quote for the same pet and settings |
| Limits and benefit calculation | Current PDS and policy schedule |
| Waiting periods and eligibility | Current PDS and provider confirmation |
| Exclusions and pre-existing conditions | Current PDS definitions and policy schedule |
| Claims, cancellation and renewal | Current provider process and policy terms |
🤔 When It Makes Sense
✅ Healthy young pets
Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.
✅ Indoor cats
Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.
✅ Seniors with pre-existing conditions
Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.
❌ NOT for breed-prone pets
Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.