Accident Only Pet Insurance

Our team is frantically building the best accident only pet insurance we can. Check back soon to get a quote.

An Introduction to Accident Only Pet Insurance

Accident only pet insurance won’t cover sick or ill animals – but will cover accidents such as broken bones. Accident only pet insurance has many benefits…

cove car insurance quote

Affordable Pet Insurance

Accident Only is Budget-Friendly

Accident only pet insurance is a budget-friendly option for pet owners who want to cover accidental injury, not sickness.


Start your cover

Buy your dog insurance online

Getting your new policy started is quick & easy. You can either start the policy immediately, or set a date you would like it to start.

dog insurance online

What is accident only pet insurance?

To put it simply, accident only pet insurance covers the cost of treatment if your pet has been involved in an accident. However, if your pet develops an illness then you’ll need a more comprehensive pet insurance policy, as accident only pet insurance policies won’t cover illness.

If your cat or dog is involved in an accident, such as having a run-in with a vehicle, they might need an X-ray and extensive surgery – which can cost a small fortune. If you want to be protected in times like these, then consider buying an accident only pet insurance policy.

What are the pros and cons of accident only cover?

The main benefit of buying an accident only pet insurance policy, compared to other forms of pet insurance, is the price. Compared to other more comprehensive policies which cover illness as well, accident only policies are relatively inexpensive and have cheaper premiums.

The main downside is, of course, is that you get what you pay for. Although we design all our policies with care, an accident only pet insurance policy simply provides less cover. If your pet develops an illness or an ongoing health condition, an accident only policy won’t be able to help.

cove dog insurance

A Better Way of Doing Dog Insurance

Refreshingly simple dog insurance cover

Our goal is to provide the best accident only pet insurance we can. We are striving to craft a robust policy that will be a great choice for Cove customers who desire great coverage and a simple online experience.

Accident only insurance tailored to your lifestyle

Whether you have a Cavoodle, Golden Retriever, Whippet, Bengal, Ragdol, Savannah, or something a little more exotic – we strive to provide the best accident only pet insurance we can.

You’re in good company

Cove is founded by Kiwis and made for the people of New Zealand. If you’re looking for an accident only pet insurance policy, then get a quote from Cove today.

dog insurance

Try Cove accident only pet insurance now and love it forever.


Amazing Cover

Designed by local experts


Pay Monthly

No long term commitments


Fast & Flexible

Manage your pet insurance online

Ready to help

Pet Insurance Queries & Support

0800 26 83 47