Accident only policies pay a fixed sum for each accidental injury to help pay for your pet’s treatment. Any accidental injury they had before the policy started will not be covered.
Understanding accident only pet insurance policies
Accidental injuries usually have to arise as a result of a single event and can include external wounds or bone fractures. Soft tissue injuries, like muscle tears, that can be caused by an illness or occur over time would not be covered.
Accident only policies may also include an amount towards the cost of emergency treatment for an illness.
Some accident policies will have a 12 month time limit. This will cover treatment by a vet for 12 months from the date vet treatment starts per condition.
If cover is limited to a 12 month treatment period, or your pet’s treatment will continue past your renewal date, you must renew your policy at the end of the policy period and keep your payments up-to-date to ensure your pet remains covered for future accidents that may require treatment
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