What is Accident Only Pet Insurance?

Accident only pet insurance is our most basic level of cover for your pet, but it can make a big difference when there is an accident. If an accident does happen, our policy covers up to £2500 of your pet’s treatment.

Understanding Accident Only Pet Insurance

Accident Only £2500 is a maximum benefit policy. The total you can claim for each new accident your pet may suffer is £2500 unless there is an additional benefit limit for a specified condition. There's no limit to the number of separate accidents that you can claim for.

As long as the insurance policy remains in force there's no time limit on a claim. Once the financial limit has been reached, any on-going treatment that is required as a result of an accident will be excluded from future claims and treated as a pre-existing condition.

Find out more about our 12 Month and Lifetime products. 

View the Jargon Buster and FAQ page for further details.

This summary is only a brief guide to your cover and exclusions. For more details of what is and isn’t covered, please read the Policy Wording and Policy Summary in our Key Documents section.

FeaturesAccident Only £2500 benefit limit
Veterinary fees £2,500 
On-going conditions covered on renewal of policy No
CT/MRI scans £1,000 
Special diet N/A 
Dentistry Policy limit restricted to Accident Only 
Loss by theft or straying N/A
Advertising and reward N/A 
Death of pet from accident only* £350
Pet funeral/cremation £150 
Overseas travel with pet holiday delay Policy limit restricted to Accident Only
Pet holiday delay £250
Holiday cancellation N/A
Emergency repatriation whilst abroad N/A
Emergency boarding N/A 
Accidental damage to third party property N/A
Third party legal liability (Dogs only) £1,000,000


FeaturesAccident Only £2500 benefit limit
Excess £75 
Co-payment for pets aged 5 plus N/A
Third party legal liability excess £250 

An excess is applied to all levels of cover excluding pet funeral cremation, as per the table above.

Pre-existing medical conditions are not covered - please read our policy wording for full details.

*There is no benefit payable on the death of your pet when aged 8 or over.

When making a claim you'll be covered up to the limits shown in the table above.

Included in our cover are services such as and Find a Vet, and Find a Pet Sitter (we don't cover the cost of the pet sitter).

Call us now on 0800 197 0881 to speak to a member of our team about cover options for your pet.

Please note for all telephone numbers: Calls may be recorded and monitored and call charges will vary for 03 numbers.

Legal & General Pet Insurance is arranged and administered by Ultimate Pet Partners and underwritten by Legal & General Insurance Limited.

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