Illustration of a dog that's had an accident

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.

Get a quote     Excluded breeds

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 you 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

  • Lifetime condition limit: £15,000
  • Annual condition limit: £2,500
  • Annual policy limit: N/A
  • Vets Excess: £99
  • Co-payment: 20% after age 8

Additional benefits

If your pet injures someone or damages their property. x If your pet causes accidental damage in someone else's home. x
If your pet dies or is put to sleep. x Advertising and reward. x
If you need to cancel or cut short a holiday because your pet needs urgent medical care. x If your pet needs to go into a cattery or kennel because you're in a hospital. x
If your pet goes missing or is stolen. x If your pet needs urgent medical care abroad. x
Transport costs if your pet needs treatment at another vet or hospital. x For a dog walker or minder for your dog, because your in hospital. x


A co-payment is currently payable on claims if you renew your policy after your dog turns 8.

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 dog turns 8 years old.

Dog being treated by a vet

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, unless they have been treatment and symptom free for more than 2 years.

We consider a condition to be pre-existing if your dog 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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According to the Association of British Insurers the average pet insurance claim in 2020 was £817.

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 dog could cost is important so you’re prepared with the right type of policy and we’re here to help with cover up to £6,000 in a year.