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 $31 for dogs and $26 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 | $30.46 | $82.94 | $93.97 |
| 4 years | $45.48 | $89.00 | $127.94 |
*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 November 2024 for a male, desexed Cavoodle dog aged 1 year and 4 years.
| Cat age | Accident only | Accident and Illness | Comprehensive |
|---|---|---|---|
| 1 year | $25.13 | $53.40 | $63.67 |
| 4 years | $32.82 | $60.81 | $83.62 |
*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 November 2024 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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