Illustration of an injured cat

Accident Only cat insurance

Covers vet fees for injuries and complications arising from accidents.

What our Accident Only policy covers

Our Accident Only policy aims to protect your cat if they have an accident. It doesn’t cover you for any illnesses or diseases they might have.

If your cat has an accident, the policy offers £2,500 per year towards the cost of treating their injuries resulting from that accident. The £2,500 limit applies to each accident your cat might have, and there’s no limit to the number of accidents you can claim for.

So even if your cat is particularly accident prone, your policy could still protect them.

Each accident also has a lifetime limit of £15,000 – as long as you renew your policy. So you can keep making claims over multiple years of continuous cover if your cat needs long-term treatment for their injuries – as long as you don’t go over the £2,500 annual limit.

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Would you like to know more?

Read through our policy documents for more information.


Already an existing customer?

Please refer to the policy documents we sent you when you took out or renewed your policy. You can Login to your online account to view these.

Did you know...

All our cat policies give you free vet video consults 24/7/365 through the Joii app.

Amount of cover

Select a policy below to see all cover limits, excess and additional benefits. Not sure how much cover you need? Find out the cost of vet fees.

  • Lifetime condition limit: £15,000
  • Annual condition limit: £2,500
  • Annual policy limit: N/A
  • Vet excess: £69, £99 or £159
  • Co-payment: 20% after age 10

Additional benefits

If your cat injures someone or damages their property. x If your cat causes accidental damage in someone else's home. x
If your cat dies or is put to sleep. x Advertising and reward. x
If you need to cancel or cut short a holiday because your cat needs urgent medical care. x If you can’t look after your cat because you’re in hospital. x
If your cat goes missing or is stolen. x If your cat needs urgent medical care abroad. x
Transport costs if your cat needs treatment at another vet or hospital. x For a pet minder, because you’re in hospital. x
Cremation and burial x


Pet insurance premiums increase as your pet gets older, as the chance of your pet becoming ill increases. Excesses apply to all our policies and a co-payment is currently payable on claims if you renew your policy after your cat turns 10 years old.

A kitten being held by a lady

Has your cat been to the vet for anything other than routine vaccinations?

If your cat has been unwell or was injured before, this is known as a pre-existing condition. Pre-existing conditions aren’t covered, unless they have been treatment and symptom free for more than 2 years.

We consider a condition to be pre-existing if your cat showed any signs or symptoms of it before your cover start date or within the waiting period of the policy, whether they needed treatment previously or not.

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Cat with average vet fee claim for 2020

How much cover do you need?

According to the Association of British Insurers, the average vet claim was £817 in 2020.

Knowing how much your cat could cost is important so you’re prepared with the right type of policy and we’re here to help with cover up to £18,000 in a year.