Accident Only vs Accident & Illness Cover
24 Dec 2025
Introduction
Choosing between Accident Only and Accident & Illness cover is often the first decision pet owners face. This guide explains how these cover types differ and what they typically include.
Note: This information is general in nature and does not constitute financial advice.
What is Accident Only cover?
Accident Only cover applies to sudden, unexpected injuries from external events.
Commonly covered scenarios:
Falls and fractures
Car accidents
Bite wounds
Snake or insect bites
These policies usually have lower premiums but don't cover illnesses.
What is Accident & Illness cover?
Accident & Illness policies include everything in Accident Only, plus treatment for illnesses.
Examples of covered illnesses (subject to policy terms):
Ear and eye infections
Digestive conditions
Skin allergies
Cancer
Arthritis
Waiting periods for illnesses typically apply.
Key differences at a glance
Feature | Accident Only | Accident & Illness |
|---|---|---|
Accidents | ✔ Included | ✔ Included |
Illnesses | ✖ Not covered | ✔ Covered |
Premium cost | Usually lower | Usually higher |
Waiting periods | Short | Longer for illness |
Popularity | Less common | Most common |
Things to consider
When reviewing policy types, check:
Annual benefit limits
Sub-limits for specific conditions
Exclusions listed in the PDS
Whether chronic or recurring conditions are covered
Summary
Accident Only and Accident & Illness policies serve different needs. Understanding each type helps you interpret policy features more clearly when comparing options.
Next step:
Learn how waiting periods affect coverage eligibility.