Accident Only dog insurance
Covers vet fees for injuries arising from accidents.
What our Accident Only policy covers
Our Accident Only policy aims to protect your dog if they have an accident. It doesn’t cover you for any illnesses or diseases they might have.
If your dog 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 dog might have, and there’s no limit to the number of accidents you can claim for.
So even if your dog is particularly accident prone, your policy should 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 dog needs long-term treatment for their injuries – as long as you don’t go over the £2,500 annual limit.
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 dog policies give you free vet video consults 24/7/365 through the Joii app.
Cover amount
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.
Cover amount
Vet fee benefit
- £2,500 – this is the most you can claim for each accident per policy year
- £15,000 - each accident also has a lifetime limit, which is the most you can claim for treatment - as long as you renew your policy each year.
- Included within your vet fee benefit limit
- £500 per policy year for dental accidents
- £500 per policy year for complementary treatment
Vet fee excess options: £69, £99, £159, £199 and £249
Co-payment: 20% of each vet fee claim once your dog reaches the age of 8
Additional benefits
| If your dog injures someone or damages their property. | x | If your dog causes accidental damage in someone else's home. | x |
| If your dog dies or is put to sleep. | x | Advertising and reward. | x |
| If you need to cancel or cut short a holiday because your dog needs urgent medical care. | x | If you can’t look after your dog because you’re in hospital. | x |
| If your dog goes missing or is stolen. | x | If your dog needs urgent medical care abroad. | x |
| Transport costs if your dog needs treatment at another vet or hospital. | x | A dog walker because you're in hospital. | x |
| Cremation or burial | x |
Pet insurance premiums increase as your pet gets older. We use a number of things to work out your price each year. These include the age of the pet, where you live and the cost of vet fees. Excesses apply to all our policies and a co-payment is currently payable on claims if you renew your policy after your dog turns 8 years old.
Has your dog been to the vet for anything other than routine vaccinations?
If your dog has been unwell or was injured before, this is known as a pre-existing condition. Pre-existing conditions aren't covered by our policies.
We consider a condition to be pre-existing if it was first noticed before your policy start date or within the waiting period, whether your pet needed treatment previously or not.
How much cover do you need?
Our average vet claim was £1068 in 2024.
Knowing how much your dog could cost is important so you’re prepared with the right type of policy and we’re here to help.
*This figure shows the average cost of vet fees claimed for dogs, for the top 15 conditions that were submitted to Animal Friends in 2024.